Owen County State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Owens County State Bank has three full-service locations and five automated teller machines in Spencer, Gosport and Coal City, Ind. The bank offers a variety of personal and business banking solutions, such as checking and savings accounts, money market accounts, certificates of deposit and online banking, as well as lending services, including home mortgages and consumer loans.

Owen County State Bank was organized in 1922 as a private bank under the name Citizens Bank of Freedom. In 1933, it was reorganized and chartered as a state bank, and the name was changed to Owen County State Bank. Headquartered in Spencer, the bank s Gosport branch office was added in 1945 when it acquired Gosport State Bank. The Coal City branch was opened in 1966.

Home Office
201 W. Morgan Street
PO Box 151
Spencer, IN 47460

East Morgan Street Auto Bank
524 East Morgan Street
PO Box 151
Spencer, IN 47460
Phone: 812-829-4811 ext. 218

Kings Crossing Branch
3419 W. State Road 46
Bloomington, IN 47404
Phone: 812-935-4811
Fax: 812-935-4817

Gosport, Indiana
14 East Main Street
PO Box 98
Gosport, IN 47433
Phone: 812-879-4218
Fax: 812-879-4974