Bloomfield State Bank

Bloomfield State Bank is headquartered in Bloomfield and is the 31^st largest bank in the state of Indiana. It is also the 1,543^rd largest bank in the nation. It was established in 1873 and as of December of 2011, it had grown to 131 employees at 16 locations. Bloomfield State Bank has a 3-star health rating.

Bloomfield State Bank Routing Number: 081304822

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Data for Q4 2011

Institution Statistics Bloomfield State Bank FDIC Certificate # 15714 BankRate Report View Year Established 1873 Employees 131 Primary Regulator FDIC Assets and Liabilities Assets $428.48 million Loans $256.14 million Deposits $344.74 million Equity Capital $40.62 million Loan Loss Allowance $8.14 million Unbacked Noncurrent Loans $8.63 million Real Estate Owned $9.18 million Historic Data - December 2010 Assets $427.80 million Equity Capital $38.90 million Loan Loss Allowance $13.50 million Unbacked Noncurrent Loans $10.82 million Real Estate Owned $7.67 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.05% Return on Equity 0.54% Interest Income $19.73 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 Bloomfield State Bank had $17.81 million in non-current loans and owned real-estate with $48.76 million in equity and loan loss allowances on hand to cover it. This gives Bloomfield State Bank a Texas Ratio of 36.53% 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 Bloomfield State Bank held steady from 35.27% as of December 31, 2010 to 36.53% as of December 31, 2011, resulting in a negative change of 3.57%. This indicates that the balance sheet and financial strength for Bloomfield State Bank has held steady in recent periods. Deposit Growth In the past year, Bloomfield State Bank has increased its total deposits by $5,000, resulting in 0% 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 Bloomfield State 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. Bloomfield State Bank has $428.48 million in assets with $48.76 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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