Institution Statistics
| 1st Source Bank | | FDIC Certificate # | 9087 | | BankRate Report | View | | Year Established | 1922 | | Employees | 1144 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $4.29 billion | | Loans | $3.01 billion | | Deposits | $3.45 billion | | Equity Capital | $594.45 million | | Loan Loss Allowance | $84.21 million | | Unbacked Noncurrent Loans | $59.39 million | | Real Estate Owned | $9.55 million |
Historic Data - September 2010 | | Assets | $4.52 billion | | Equity Capital | $645.28 million | | Loan Loss Allowance | $89.51 million | | Unbacked Noncurrent Loans | $76.55 million | | Real Estate Owned | $9.20 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.93% | | Return on Assets | 1.23% | | Return on Equity | 9.29% | | Interest Income | $141.62 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 1st Source Bank had $68.94 million in non-current loans and owned real-estate with $678.66 million in equity and loan loss allowances on hand to cover it. This gives 1st Source Bank a Texas Ratio of 10.16% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for 1st Source Bank held steady from 11.69% as of September 30, 2010 to 10.16% as of September 30, 2011, resulting in a positive change of 13.11%.This indicates that the balance sheet and financial strength for 1st Source Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, 1st Source Bank has decreased its total deposits by -$118.61 million, resulting in -3.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Source Bank has shown is below average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Source Bank has $4.29 billion in assets with $678.66 million in equity, resulting in a capitalization level of 15.80%, which is excellent. |
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