Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). A current level of 14.0 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Fair asset quality (3.8).
Other Rating Factors:
Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 7.6. Weak liquidity 2.5, driven by a liquidity ratio of 8.5 percent and a “hot money” ratio of 26.0 percent.
Asset Mix:
Comm loans (19%), securities (19%), comm re (18%), consumer loans (8%), cash (7%), home mtgs (6%), other (22%)
States with Branches:
IN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Internet Bancorp
Investment Rating
Address
8701 East 116th Street
Fishers, IN 46038
Fishers, IN 46038
Phone Number
(317) 532-7900
Year Founded
1998
FDIC Number
Website
Largest Affiliates
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