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This institution is no longer active

Operations ceased on September 10, 2016. CRA examination history below reflects the period it was active.

YOUR COMMUNITY BANK

NEW ALBANY, IN · Supervised by FDIC

Est. 1934FDIC #28,915RSSD: FDIC-28915
Part ofYOUR COMMUNITY BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.18%

Institution Profile

FDIC BankFind

Address

101 West Spring Street, NEW ALBANY, IN

County

Floyd County

Established

May 1, 1934

Total Assets

$1.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2015

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2016Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.2B

Net Loans

$1.1B

Net Income

$9M

ROA

1.18%

ROE

10.95%

Risk-Based Capital

15.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1998

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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