The National Bank of Indianapolis

The National Bank of Indianapolis is headquartered in Indianapolis and is the 11^st largest bank in the state of Indiana. It is also the 435^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 269 employees at 12 locations. The National Bank of Indianapolis has a 3-star health rating.

The National Bank of Indianapolis Routing Number: 074006674

Data for Q1 2012

Institution Statistics The National Bank of Indianapolis FDIC Certificate # 33860 BankRate Report View Year Established 1993 Employees 269 Primary Regulator OCC Assets and Liabilities Assets $1.53 billion Loans $964.03 million Deposits $1.34 billion Equity Capital $101.34 million Loan Loss Allowance $13.44 million Unbacked Noncurrent Loans $22.87 million Real Estate Owned $7.85 million Historic Data - March 2011 Assets $1.47 billion Equity Capital $92.03 million Loan Loss Allowance $16.04 million Unbacked Noncurrent Loans $14.31 million Real Estate Owned $9.41 million Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 0.62% Return on Equity 9.15% Interest Income $11.86 million

Institution Health Overall Score: 3 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 The National Bank of Indianapolis had $30.71 million in non-current loans and owned real-estate with $114.78 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Indianapolis a Texas Ratio of 26.76% 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 The National Bank of Indianapolis held steady from 21.94% as of March 31, 2011 to 26.76% as of March 31, 2012, resulting in a negative change of 21.94%. This indicates that the balance sheet and financial strength for The National Bank of Indianapolis has held steady in recent periods. Deposit Growth In the past year, The National Bank of Indianapolis has increased its total deposits by $71.39 million, resulting in 5.62% 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 The National Bank of Indianapolis 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. The National Bank of Indianapolis has $1.53 billion in assets with $114.78 million in equity, resulting in a capitalization level of 7.51%, which is below average.

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