Indiana Bank and Trust Company

Indiana Bank and Trust Company is headquartered in Columbus and is the 14^st largest bank in the state of Indiana. It is also the 688^th largest bank in the nation. It was established in 1908 and as of September of 2011, it had grown to 214 employees at 19 locations. Indiana Bank and Trust Company has a 2-star health rating.

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Data for Q3 2011

Institution Statistics Indiana Bank and Trust Company FDIC Certificate # 28285 BankRate Report View Year Established 1908 Employees 214 Primary Regulator FED Assets and Liabilities Assets $963.70 million Loans $698.89 million Deposits $847.91 million Equity Capital $99.38 million Loan Loss Allowance $14.76 million Unbacked Noncurrent Loans $33.92 million Real Estate Owned $7.57 million Historic Data - September 2010 Assets $1.07 billion Equity Capital $101.15 million Loan Loss Allowance $14.70 million Unbacked Noncurrent Loans $18.89 million Real Estate Owned $11.11 million Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets -0.42% Return on Equity -4.18% Interest Income $33.14 million

Institution Health Overall Score: 2 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 Indiana Bank and Trust Company had $41.49 million in non-current loans and owned real-estate with $114.14 million in equity and loan loss allowances on hand to cover it. This gives Indiana Bank and Trust Company a Texas Ratio of 36.35% 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 Indiana Bank and Trust Company increased slightly from 25.89% as of September 30, 2010 to 36.35% as of September 30, 2011, resulting in a negative change of 40.37%. This indicates that the balance sheet and financial strength for Indiana Bank and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Indiana Bank and Trust Company has decreased its total deposits by -$58.68 million, resulting in -6.47% 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 Indiana Bank and Trust Company has shown is poor. 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. Indiana Bank and Trust Company has $963.7 million in assets with $114.14 million in equity, resulting in a capitalization level of 11.84%, which is above average.