Ameriana Bank

Ameriana Bank is headquartered in New Castle and is the 32^nd largest bank in the state of Indiana. It is also the 1,545^th largest bank in the nation. It was established in 1890 and as of December of 2011, it had grown to 151 employees at 13 locations. Ameriana Bank has a 3-star health rating.

Ameriana Bank Routing Number: 274970717

Data for Q4 2011

Institution Statistics Ameriana Bank FDIC Certificate # 29031 BankRate Report View Year Established 1890 Employees 151 Primary Regulator FDIC Assets and Liabilities Assets $427.15 million Loans $312.76 million Deposits $341.01 million Equity Capital $41.52 million Loan Loss Allowance $4.13 million Unbacked Noncurrent Loans $9.08 million Real Estate Owned $7.55 million Historic Data - December 2010 Assets $426.42 million Equity Capital $40.63 million Loan Loss Allowance $4.21 million Unbacked Noncurrent Loans $11.25 million Real Estate Owned $9.07 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.4% Return on Equity 4.23% Interest Income $18.79 million

Institution Health Overall Score: 3 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 December 31, 2011 Ameriana Bank had $16.62 million in non-current loans and owned real-estate with $45.65 million in equity and loan loss allowances on hand to cover it. This gives Ameriana Bank a Texas Ratio of 36.41% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ameriana Bank decreased slightly from 45.30% as of December 31, 2010 to 36.41% as of December 31, 2011, resulting in a positive change of 19.62%.This indicates that the balance sheet and financial strength for Ameriana Bank has improved slightly in recent periods. Deposit Growth In the past year, Ameriana Bank has increased its total deposits by $638,000, resulting in 0.19% 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 Ameriana Bank has shown is 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. Ameriana Bank has $427.15 million in assets with $45.65 million in equity, resulting in a capitalization level of 10.69%, which is above average.

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