FDIC Certificate #: 57713 Status: Active Federal Reserve ID: 3283765 Bank Holding Company (Regulatory Top Holder): Indiana Business Bancorp (RSSDID: 3436299, Location: Indianapolis, IN) Date Established: November 17, 2004 WWW:http://www.indianabusinessbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 422906 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 17, 2004 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 250 East 96th Street, Suite 100, Indianapolis, IN 46240 County: Marion Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Indianapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480) Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294) Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900) CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $65.3 mil Equity capital: $8.7 mil Deposits held in domestic offices: $52.5 mil Return on assets (ROA): 0.77% ($0.5 mil) Quarterly return on assets: 1.22% ($0.8 mil) Return on Equity (ROE): 6.57% ($0.6 mil) Quarterly return on equity: 9.44% ($0.8 mil) Net income: $0.5 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.77% ($503.0 mil) Quarterly Pretax return on assets: 1.22% ($797.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
12Total employees (full-time equivalent)
$65,328Total assets
$6,044Cash and due from depository institutions
$5,913Interest-bearing balances
$3,474Securities
$0Federal funds sold & reverse repurchase agreements
$53,786Net loans & leases
$1,469Loan loss allowance
$0Trading account assets
$93Bank premises and fixed assets
$749Other real estate owned
$0Goodwill and other intangibles
$65,328Life insurance assets
$1,182All other assets
$56,627Total liabilities and capital
$52,499Total liabilities
$40,378Total deposits
$52,499Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$128Subordinated debt
$8,701All other liabilities
$8,701Total equity capital
$8,701Total bank equity capital
$0Perpetual preferred stock
$1,484Common stock
$12,540Surplus
$-5,323Undivided profits
Memoranda
$0Noncurrent loans and leases
$966Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,382Income earned, not collected on loans
$163Earning assets
$257Long-term assets (5+ years)
$63,173Average Assets, year-to-date
$4,392Average Assets, quarterly
$71,269Volatile liabilities
$66,535Insider loans
$54,530FHLB advances
$65,549Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,636Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,704Restructured Loans and leases
$3,648Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,690Total interest income
$872Total interest expense
$2,818Net interest income
$515Provision for loan and lease losses
$572Total noninterest income
$0Fiduciary activities
$96Service charges on deposit accounts
$0Trading account gains & fees
$476Additional noninterest income
$2,326Total noninterest expense
$1,151Salaries and employee benefits
$219Premises and equipment expense
$956Additional noninterest expense
$549Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$549Income before extraordinary items
$0Extraordinary gains - net
$549Net income attributable to bank
$0Net charge-offs
$549Cash dividends
$554Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.39%Yield on earning assets
1.27%Cost of funding earning assets
4.12%Net interest margin
0.84%Noninterest income to earning assets
3.40%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
0.77%Pretax return on assets
6.57%Return on equity (ROE)
6.57%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
92.96%Credit loss provision to net charge-offs
1.92%Efficiency ratio
68,614Assets per employee
5.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.66%Loss allowance to noncurrent loans
61.67%Noncurrent assets plus other real estate owned to assets
4.79%Noncurrent loans to loans
4.31%Net loans and leases to deposits
102.45%Net loans and leases to core deposits
141.65%Equity capital to assets
13.32%Core capital (leverage) ratio
13.17%Tier 1 risk-based capital ratio
15.84%Total risk-based capital ratio
Memoranda
$17Average assets
$71,269Average earning assets
$8,359Average equity
$68,438Average loans
List of branches
1 Indiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
422906
Indiana Business Bank
250 East 96th Street, Suite 100, Indianapolis, IN 46240
November 17, 2004
Full Service Brick and Mortar
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