# INDIANA BUSINESS BANK
INDIANAPOLIS, IN · FDIC certificate 57713 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $61.0M | |
| Deposits | $44.5M | |
| Loans and leases | $51.8M | |
| Total equity | $11.4M | |
| Loans / deposits | 114.02% (p98 of band) | 75.30% |
| Liquid assets / assets | 13.42% (p10 of band) | |
| Uninsured deposits / deposits | 17.97% (p65 of band) | 14.23% |
| Brokered deposits | 6.11% | |
| Wholesale funding | 14.31% (p90 of band) | |
| FHLB advances / assets | 8.20% | |
| Tier 1 leverage | 16.95% (p91 of band) | 10.87% |
| Unrealized securities loss / equity | 0.39% (p26 of band) | 1.65% |
| AOCI / equity | 0.18% (p29 of band) | |
| ROA (annualized) | 0.40% (p19 of band) | 0.88% |
| Net interest margin | 4.25% (p81 of band) | 3.67% |
| Efficiency ratio | 85.14% (p81 of band) | |
| Noncurrent loans | 1.33% (p69 of band) | 0.69% |
| Net charge-offs (annualized) | -0.08% (p5 of band) | |
| Reserve coverage of noncurrent | 147.90% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 19.84% (p56 of band) | |
| Auto loans | $261,000 (0.50% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 4 | loans exceed deposits, reserve under noncurrent |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 |  |  |
| 2012-09 | 5 | noncurrent p90 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2012-12 | 3 | charge-offs p90 | deposits shrinking, assets shrinking, noncurrent p90 |
| 2013-03 | 3 | wholesale funding >15%, deposits shrinking | reserve under noncurrent, charge-offs p90 |
| 2013-06 | 4 | charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2013-09 | 5 | deposits shrinking |  |
| 2013-12 | 5 | noncurrent p90 | deposits shrinking |
| 2014-03 | 5 | capital falling | charge-offs p90 |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 4 | charge-offs p90 | noncurrent p90 |
| 2014-12 | 3 |  | charge-offs p90 |
| 2015-03 | 2 |  | reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 5 | reserve under noncurrent | assets shrinking |
| 2016-03 | 3 |  | uninsured deposits leaving, reserve under noncurrent |
| 2016-06 | 2 |  | deposits shrinking |
| 2016-09 | 1 |  | wholesale funding >15% |

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

- 2019-06-21 [IN PERSON: The reason Ja Hillebrand has stuck around Stock Yards for so long - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcG8xdXJlVE45dTlBTW8zTlNoQVRTekpuZVN3VW91d3p0aURJNkhTQUxrUkdVN0piYVNya3pkbEtaYmRRRFRTZkpQdmd4TWR6TEdGSTA3RW5TRHpHblpyd3VFcmloNWI0TW40bGhFZWNzLWlNTjR5TDJBUmh6RlFvOExBZVFKb3ZXQ3ZtLXpfc29oWUpQSEV5VTlfZGxocnhxWkNFWXJuUQ?oc=5) · The Business Journals
- 2014-04-07 [Seven Indy Entrepreneurs Get Down To Business - Indianapolis Monthly](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYlpPQ2tiNEk5Mll6dHBLWUE5cjNQWHZMazZ4YUlnWUkzc0pCYWNjTDNSeXFCbkExYlQ2cHZ3NWVwWkE3T0ZCN2RiMmN5blhmazRzalVHSXRRaF9CNERmRXE2SGFnaHI3YnRqMm5MeDRidTVXT0F2TlFySmF1U0F3TUUzbzhEa051RTJ5eG9oSjNXa1EwMlhhbTZoUEI4OE8tT2FYcQ?oc=5) · Indianapolis Monthly
- 2014-03-07 [Nicey Treat's sweet march of progress - IndyStar](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMmFiYWJuWHpkdGRpZjA3OVg4OUJ4a1IwLUFQQVpCd2E0QVRqSWpwNVFINnppRnRlQkhPdjZ5dlUydnUzby1kQzQ0SWZtSkc3elV6X0lqejNlT181R3c4WnFrT2VLY19DN25ORzVxSDlVeHJ2NkFnUFE5djk1VEYyazVWM2xReHJfVjY4VkhfTGFnV1BiR1NWY1E5eFJkaktvbjQxOEVXZ0F3MmZh?oc=5) · IndyStar
- 2007-08-14 [Downtown renaissance: The 201 | Rushville - greensburgdailynews.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOcXZqQ2RiOUcxSnRPaXNzcDVYY2lOb24yT3VneGtkZmZ2eVFHUUFPUkVVcUV5YzA2d0pVZmNFa2F6aFloMlFTYndndnREYVlJV1lTTURpSVgydlhReENRTEZIREpWRTU0ZUVKNzBwQm9LWHJuTDk3SFh6enpxWWZCRWI3aVJxanR4SnY1WWtrTks3MmZKaGhSVG10aVBNOVN4a1pkNVIxWWZ1NGEtZWlWU1FQYjZJdENRdXEydFVsR3BHUQ?oc=5) · greensburgdailynews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57713 (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/49.json (key "57713", 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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