Indiana Business Bank

Indiana Business Bank is headquartered in Indianapolis and is the 124^th largest bank in the state of Indiana. It is also the 5,950^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 13 employees at 1 location. Indiana Business Bank has a 4-star health rating.

Indiana Business Bank Routing Number: 074014420

Data for Q1 2012

Institution Statistics Indiana Business Bank FDIC Certificate # 57713 BankRate Report View Year Established 2004 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $64.37 million Loans $52.91 million Deposits $51.02 million Equity Capital $9.10 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $2.13 million Real Estate Owned $749,000 Historic Data - March 2011 Assets $73.95 million Equity Capital $8.19 million Loan Loss Allowance $1.60 million Unbacked Noncurrent Loans $3.77 million Real Estate Owned $1.48 million Profit Margin - Quarterly Net Interest Margin 4.72% Return on Assets 1.37% Return on Equity 9.84% Interest Income $899,000

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 Indiana Business Bank had $2.88 million in non-current loans and owned real-estate with $10.56 million in equity and loan loss allowances on hand to cover it. This gives Indiana Business Bank a Texas Ratio of 27.24% 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 Indiana Business Bank decreased significantly from 52.93% as of March 31, 2011 to 27.24% as of March 31, 2012, resulting in a positive change of 48.53%.This indicates that the balance sheet and financial strength for Indiana Business Bank has improved significantly in recent periods. Deposit Growth In the past year, Indiana Business Bank has decreased its total deposits by -$10.98 million, resulting in -17.71% 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 Business Bank 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 Business Bank has $64.37 million in assets with $10.56 million in equity, resulting in a capitalization level of 16.40%, which is excellent.

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