# AMERIANA BANK
NEW CASTLE, IN · FDIC certificate 29031 · asset band $300M-1B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $462.6M | |
| Deposits | $384.9M | |
| Loans and leases | $331.3M | |
| Total equity | $47.4M | |
| Loans / deposits | 85.14% (p56 of band) | 82.48% |
| Liquid assets / assets | 16.04% (p22 of band) | |
| Uninsured deposits / deposits | 14.77% (p29 of band) | 19.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.40% (p45 of band) | |
| FHLB advances / assets | 5.40% | |
| Tier 1 leverage | 9.50% (p33 of band) | 10.12% |
| Unrealized securities loss / equity | 1.52% (p56 of band) | 1.17% |
| AOCI / equity | -0.01% (p39 of band) | |
| ROA (annualized) | 0.55% (p20 of band) | 0.92% |
| Net interest margin | 3.62% (p52 of band) | 3.59% |
| Efficiency ratio | 81.50% (p83 of band) | |
| Noncurrent loans | 0.98% (p61 of band) | 0.75% |
| Net charge-offs (annualized) | 0.13% (p80 of band) | |
| Reserve coverage of noncurrent | 111.50% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 44.67% (p60 of band) | |
| Auto loans | $1.2M (0.37% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 137 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |

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

- 2015-07-01 [First Merchants buys Ameriana for $69 million - Indianapolis Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxPSi1PaTRVUXFuakZ4SVM2Z21ib3hwQ0MtZUhXc0NSZkN0ZXdTdHY1dEoxT29xUXgwTjNvOFAwNTZ3R1BKWVFYZ2lCQ3k3ZnFuWDV1Nzk3djBoYUNYV01WeU1VOGlvSHM1eVRYT0VpMWJLUnY0QmVlLU9FblBrQ1QxV1VCcExxZw?oc=5) · Indianapolis Business Journal
- 2015-07-04 [Ameriana Bancorp To Merge With First Merchants Corporation - Muncie Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxOdmVzWEI3Qmt4dVVFOE9xZHRHVXZjWFNGNUZFTDRad21mRjBUVDFidE9HUG96c0pwdW1zRzl5cXZHOWRNVDZ4ejJ2RzFOd1FhYXlUZWtCUmJ5UzYwVGN0MkV6UDdQQVZKR1RqOUdQWm9QTlMxWFFYU1pHWTlhRkt2a2FxMnNpdFM4WHBCa3RoSTFubHExWnVOR2FuLUx5QQ?oc=5) · Muncie Journal
- 2015-02-22 [Mosier - Murphy - The Star Press](https://news.google.com/rss/articles/CBMipAFBVV95cUxNdVBueEVWSUF5VlV5WVJTd25Lc3B0Zi0yQ0pvZlNubWRVLWJPYXpuNFRWX1Y4emstX2syb2ZLenpYMFNINkVmRGlPOWs4cVdGS2pUbFc4U3FJNEtaSlcwUkpkTXVGZXFmQ0d1UGNyTm16eE5ZQVJZN2lGRFZCUDZBZlFYRjF1UHZVU2RaV1oxU3ExSEJfdV9oUzZvQ21LeDlNa2xLYw?oc=5) · The Star Press
- 2009-01-16 [Meet Your Neighbors: Jerry and Carol Gassen Support Community Fitness - townepost.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaDkxRHFQMzZhWmRGeG9iVTVGWWYxLVNoaEJIQ0llSkM1c1pPb180TW82eWZWcERMTFk1UldYTlBTX3B2ZE9yUDExbXdlRk5Tbl95dWp0d2h4MnhPLVluX3QxRDJvbmpBSXA1LXp0c1hkb2I1YUllY1lWQjloeXNKanI2UzFvbE54M1huUnBuQmlrOE5HMlZTaFRSWUNSaUFLTGh3dG00RTg?oc=5) · townepost.com
- 2014-11-26 [Bank taking ground level of Broad Ripple office project - Indianapolis Business Journal](https://news.google.com/rss/articles/CBMirAFBVV95cUxOMTBxYkw0VFRKQ3A0c20zWEhuazhKWnlRXzRBT2cxdHl4WHNUcGltdmJpelZLMGFTdHViaVkzU3JPbmI5OW4xY3h6blB4c05uc0lKNi1xMTF6RS10eWpRM28tTjU4YlFfU2cyXzNDVTZEYVZfMDZiTXJLeEtOSE5fZTNZLUc5cVNzckNhUVl3c2ZXS1l6TDVDUDdtYVphUE5vX1JwYlhKS0NPTzd6?oc=5) · Indianapolis Business Journal
- 2025-07-22 [Shirley Shepherd Obituary (1940 - 2025) - Greensboro, IN - The Courier-Times - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUTRaTG1vOExQeERFQ09GV193NzdKZWtfOHRXR01pb3FwTjJhNlREUnlsNWZLNm01alJRbXZQOW5tcVh3cTdNaHo4N3loZkhVRWlSeW9vRy1GMF8zRWpvOFk5bDJJY0FQeGxvV0RZd0x0TTFWYV9GUnV5enBEOXQzbDJ2SFZHaGVBekkteTdQLWpHNU5INlJSZTFaYw?oc=5) · legacy.com
- 2014-08-26 [On the record - The Star Press](https://news.google.com/rss/articles/CBMifkFVX3lxTFBhS0dQMWh6Q0hONHVjWTFReEdtajlTN203UEdtal9BYmw0eF9iT25XU1plR0NudjY0UTZBZjFrVTVWMnJIR2ZnbWVOQjRFam51NTRrellKWUphYW14UzJ6eXBoWGE5alNIbnlBbmEwVHluRzJiaGRSYXRKdTJtdw?oc=5) · The Star Press
- 2014-12-02 [Reliant Partners’ New Investment - townepost.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5fcFNFalk4ZjRMNFhlQjFpNnRHZ1VOZ2w1Z2E4UDRQOUgwNDJmU2ZMTDV4SlpfRHZLYmpyczlGZmF0bDBXOExmUjhLQ1dGNzJTZzhrWl9UeVZpU2pPcFVzRi0xZVM0LW5zVEQ4dUZyNml6LURiRzVlN1NzY0tVdw?oc=5) · townepost.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29031 (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/39.json (key "29031", 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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