Greenfield Banking Company (IN)

Greenfield Banking Company (IN) is headquartered in Greenfield and is the 35^th largest bank in the state of Indiana. It is also the 1,693^rd largest bank in the nation. It was established in 1871 and as of March of 2012, it had grown to 118 employees at 7 locations. Greenfield Banking Company (IN) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Greenfield Banking Company FDIC Certificate # 15632 BankRate Report View Year Established 1871 Employees 118 Primary Regulator FDIC Assets and Liabilities Assets $393.83 million Loans $170.56 million Deposits $346.04 million Equity Capital $42.79 million Loan Loss Allowance $2.77 million Unbacked Noncurrent Loans $2.79 million Real Estate Owned $2.08 million Historic Data - March 2011 Assets $376.17 million Equity Capital $38.90 million Loan Loss Allowance $2.86 million Unbacked Noncurrent Loans $2.42 million Real Estate Owned $4.30 million Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 1.04% Return on Equity 9.65% Interest Income $3.45 million

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 March 31, 2012 Greenfield Banking Company (IN) had $4.87 million in non-current loans and owned real-estate with $45.55 million in equity and loan loss allowances on hand to cover it. This gives Greenfield Banking Company (IN) a Texas Ratio of 10.69% 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 Greenfield Banking Company (IN) decreased slightly from 16.09% as of March 31, 2011 to 10.69% as of March 31, 2012, resulting in a positive change of 33.55%.This indicates that the balance sheet and financial strength for Greenfield Banking Company (IN) has improved slightly in recent periods. Deposit Growth In the past year, Greenfield Banking Company (IN) has increased its total deposits by $11.52 million, resulting in 3.44% 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 Greenfield Banking Company (IN) has shown is above 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. Greenfield Banking Company (IN) has $393.83 million in assets with $45.55 million in equity, resulting in a capitalization level of 11.57%, which is above average.

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