MainSource Bank

MainSource Bank is headquartered in Greensburg and is the 6^th largest bank in the state of Indiana. It is also the 260^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 617 employees at 86 locations. MainSource Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics MainSource Bank FDIC Certificate # 5766 BankRate Report View Year Established 1904 Employees 617 Primary Regulator FDIC Assets and Liabilities Assets $2.74 billion Loans $1.51 billion Deposits $2.17 billion Equity Capital $375.65 million Loan Loss Allowance $38.54 million Unbacked Noncurrent Loans $43.10 million Real Estate Owned $10.67 million Historic Data - March 2011 Assets $2.75 billion Equity Capital $338.91 million Loan Loss Allowance $43.26 million Unbacked Noncurrent Loans $59.49 million Real Estate Owned $20.58 million Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 1.11% Return on Equity 8.1% Interest Income $27.91 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 MainSource Bank had $53.77 million in non-current loans and owned real-estate with $414.19 million in equity and loan loss allowances on hand to cover it. This gives MainSource Bank a Texas Ratio of 12.98% 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 MainSource Bank decreased slightly from 21.02% as of March 31, 2011 to 12.98% as of March 31, 2012, resulting in a positive change of 38.23%.This indicates that the balance sheet and financial strength for MainSource Bank has improved slightly in recent periods. Deposit Growth In the past year, MainSource Bank has decreased its total deposits by -$53.93 million, resulting in -2.43% 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 MainSource Bank has shown is below 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. MainSource Bank has $2.74 billion in assets with $414.19 million in equity, resulting in a capitalization level of 15.12%, which is excellent.

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