Ameriana Bank in New Castle, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Ameriana Bank - Overview

  • General
  • FDIC Certificate #: 29031
    Status: Active
    Federal Reserve ID: 700672
    Bank Holding Company (Regulatory Top Holder): Ameriana Bancorp (RSSDID: 3017326, Location: New Castle, IN)
    Date Established: January 01, 1890
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 2798
    FDIC's unique #: 41865
    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 22, 1935
    Last Structure Change Effective Date: June 10, 2009
    Last Structure Change Process Date: August 07, 2009
    Last Data Update: August 07, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 2118 Bundy Avenue, New Castle, IN 47362
    County: Henry
    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
    Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
    Core Based Statistical Area (CBSA): New Castle, IN (#35220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
    Change in Entity Type
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $427.2 mil
    Equity capital: $41.5 mil
    Deposits held in domestic offices: $341.0 mil
    Return on assets (ROA): 0.40% ($1.7 mil)
    Quarterly return on assets: 0.55% ($2.3 mil)
    Return on Equity (ROE): 4.23% ($1.8 mil)
    Quarterly return on equity: 5.67% ($2.4 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.48% ($2,050.3 mil)
    Quarterly Pretax return on assets: 0.70% ($2,990.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 151Total employees (full-time equivalent)
  • $427,154Total assets
  • $9,709Cash and due from depository institutions
  • $3,505Interest-bearing balances
  • $43,847Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $312,761Net loans & leases
  • $4,132Loan loss allowance
  • $0Trading account assets
  • $14,650Bank premises and fixed assets
  • $7,545Other real estate owned
  • $1,981Goodwill and other intangibles
  • $427,154Life insurance assets
  • $36,661All other assets
  • $385,635Total liabilities and capital
  • $341,013Total liabilities
  • $297,052Total deposits
  • $341,013Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 7500.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,000Trading liabilities
  • $0Other borrowed funds
  • $5,122Subordinated debt
  • $41,519All other liabilities
  • $41,519Total equity capital
  • $41,519Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $27,742Surplus
  • $13,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $252Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,077Income earned, not collected on loans
  • $0Earning assets
  • $1,055Long-term assets (5+ years)
  • $360,113Average Assets, year-to-date
  • $104,289Average Assets, quarterly
  • $431,498Volatile liabilities
  • $427,722Insider loans
  • $315,729FHLB advances
  • $421,093Loans and leases held for sale
  • $26,249Unused loan commitments
  • $23,564Tier 1 (core) risk-based capital
  • $38,883Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,685Total unused commitments
  • $55,489Restructured Loans and leases
  • $7,159Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,786Total interest income
  • $4,628Total interest expense
  • $14,158Net interest income
  • $1,385Provision for loan and lease losses
  • $4,716Total noninterest income
  • $0Fiduciary activities
  • $1,246Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,470Additional noninterest income
  • $16,351Total noninterest expense
  • $8,875Salaries and employee benefits
  • $2,472Premises and equipment expense
  • $5,004Additional noninterest expense
  • $1,138Pre-tax net operating income
  • $919Securities gains (losses)
  • $325Applicable income taxes
  • $1,732Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,732Net income attributable to bank
  • $0Net charge-offs
  • $1,732Cash dividends
  • $1,465Sale, conversion, retirement of capital stock, net
  • $1,075Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.89%Net interest margin
  • 1.29%Noninterest income to earning assets
  • 4.49%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.23%Return on equity (ROE)
  • 1.61%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 94.54%Credit loss provision to net charge-offs
  • 1.72%Efficiency ratio
  • 86,357Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.07%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 45.52%Noncurrent assets plus other real estate owned to assets
  • 3.89%Noncurrent loans to loans
  • 2.86%Net loans and leases to deposits
  • 91.72%Net loans and leases to core deposits
  • 93.58%Equity capital to assets
  • 9.72%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 12.32%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $431,498Average earning assets
  • $40,926Average equity
  • $364,343Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $13,729Managed Assets
  • 1Number of Accounts
  • $13,729Personal trust and agency accounts
  • $7,649Employee benefit-defined contribution accounts
  • $788Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,540Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $3,752Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 54Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 13 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041865Ameriana Bank2118 Bundy Avenue, New Castle, IN 47362January 01, 1890Full Service Brick and Mortar
    127247522 North Jefferson Street Branch22 North Jefferson Street, Knightstown, IN 46148January 01, 1890Full Service Brick and Mortar
    2272476Beechwood & Rd 236 BranchBeechwood & Road 236, Middletown, IN 47356January 01, 1890Full Service Brick and Mortar
    32724771311 Broad Street Branch1311 Broad Street, New Castle, IN 47362January 01, 1890Full Service Brick and Mortar
    4420091810 N. State Street Branch1810 North State Street, Greenfield, IN 46140January 01, 1883Full Service Brick and Mortar
    5272478Anderson Branch1724 East 53rd, Anderson, IN 46013March 15, 1994Full Service Brick and Mortar
    6203400488 West Main Street Branch488 West Main Street, Morristown, IN 46161Febuary 28, 1998Full Service Brick and Mortar
    7272479Avon Branch99 South Dan Jones Road, Avon, IN 46168January 01, 1997Full Service Brick and Mortar
    11359098New Palestine Branch7435 West Us 52, New Palestine, IN 46163December 01, 1999Full Service Brick and Mortar
    12430183Mccordsville Branch6653 West Broadway, Mc Cordsville, IN 46055Febuary 02, 2004Full Service Brick and Mortar
    13481914Olio Road Branch11521 Olio Road, Fishers, IN 46037November 03, 2008Full Service Brick and Mortar
    14484673West Carmel Branch3975 West 106th Street, Carmel, IN 46032December 22, 2008Full Service Brick and Mortar
    15491119Westfield Branch3333 East State Road 32, Westfield, IN 46074May 26, 2009Full Service Brick and Mortar

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