Hoosier Heartland State Bank

Hoosier Heartland State Bank is headquartered in Crawfordsville and is the 86^th largest bank in the state of Indiana. It is also the 4,020^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 45 employees at 6 locations. Hoosier Heartland State Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Hoosier Heartland State Bank FDIC Certificate # 15566 BankRate Report View Year Established 1899 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $141.67 million Loans $68.66 million Deposits $127.10 million Equity Capital $12.91 million Loan Loss Allowance $906,000 Unbacked Noncurrent Loans $1.35 million Real Estate Owned $1.19 million Historic Data - March 2011 Assets $132.24 million Equity Capital $11.78 million Loan Loss Allowance $765,000 Unbacked Noncurrent Loans $1.58 million Real Estate Owned $653,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.5% Return on Equity 5.43% Interest Income $1.44 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 Hoosier Heartland State Bank had $2.54 million in non-current loans and owned real-estate with $13.82 million in equity and loan loss allowances on hand to cover it. This gives Hoosier Heartland State Bank a Texas Ratio of 18.39% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hoosier Heartland State Bank held steady from 17.82% as of March 31, 2011 to 18.39% as of March 31, 2012, resulting in a negative change of 3.18%. This indicates that the balance sheet and financial strength for Hoosier Heartland State Bank has held steady in recent periods. Deposit Growth In the past year, Hoosier Heartland State Bank has increased its total deposits by $8.09 million, resulting in 6.8% 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 Hoosier Heartland State Bank has shown is excellent. 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. Hoosier Heartland State Bank has $141.67 million in assets with $13.82 million in equity, resulting in a capitalization level of 9.75%, which is average.

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