Ameriana Bancorp is a bank holding company for Ameriana Bank (the Bank). The Bank has two wholly owned subsidiaries, Ameriana Insurance Agency (AIA) and Ameriana Financial Services, Inc. (AFS). AIA provides insurance sales from offices in New Castle, Greenfield and Avon, Indiana. AFS operates a brokerage facility in conjunction with LPL Financial. The Bank offers a range of consumer and commercial banking services, including accepting deposits; originating commercial, mortgage, consumer and construction loans, and through its subsidiaries, providing investment and brokerage services and insurance services. The Bank�s primary sources of income are interest and fees on loans and interest on investments. The Bank also invests in various federal and government agency obligations and other investment securities, including mortgage-backed, municipal and equity securities.