# INDIANA BANK&TRUST CO
COLUMBUS, IN · FDIC certificate 28285 · asset band $300M-1B · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $935.2M | |
| Deposits | $828.8M | |
| Loans and leases | $628.3M | |
| Total equity | $97.5M | |
| Loans / deposits | 73.39% (p44 of band) | 75.98% |
| Liquid assets / assets | 27.20% (p42 of band) | |
| Uninsured deposits / deposits | 21.83% (p83 of band) | 12.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.60% (p49 of band) | 9.64% |
| Unrealized securities loss / equity | 3.81% (p51 of band) | 3.66% |
| AOCI / equity | 0.83% (p78 of band) | |
| ROA (annualized) | -0.97% (p3 of band) | 0.82% |
| Net interest margin | 3.76% (p56 of band) | 3.68% |
| Efficiency ratio | 63.69% (p37 of band) | |
| Noncurrent loans | 5.87% (p87 of band) | 1.84% |
| Net charge-offs (annualized) | 2.28% (p98 of band) | |
| Reserve coverage of noncurrent | 54.23% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 66.05% (p78 of band) | |
| Auto loans | $3.0M (0.47% of loans; DQ 2.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 196 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | capital falling, losing money, charge-offs p90 | construction >100% equity |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 4 | assets shrinking |  |
| 2012-06 | 5 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28285 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "28285", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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