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Financial statement

AMERICAN NATIONAL TRUST AND INVESTMENT MANAGEMENT COMPANY
320 SOUTH HIGH STREET
MUNCIE, Indiana 47305

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 1459575




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$14,207$14,910$12,082
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments3,0163,0384,072
Deposits000
Borrowings000
Equity9,7518,6668,048
Net Interest Income6277180
Fee Income000
Overhead19,39521,93016,009
Net Operating Income2,875-733817
Net Income1,736-480478
Ratio Analysis Profitability%%%
Return on Assets *13.85-3.874.22
Operating Return on Assets *22.93-5.917.21
Return on Equity *18.02-5.296.11
Net Interest Margin *1.051.021.90
Fee Income / Assets *0.000.000.00
Overhead / Assets *154.71177.01141.46
Efficiency Ratio87.09103.4695.14
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets0.000.000.00
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets68.6458.1266.61
Tangible Capital / Tangible Assets44.6042.5666.61
Risk-based Capital Ratio126.80132.15221.09
Liquidity%%%
Loans / Depositsn/an/an/a
Non-Interest Bearing Deposits / Depositsn/an/an/a
Purchased Liabilities0.000.000.00

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
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