SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN NATIONAL TRUST AND INVESTMENT MANAGEMENT COMPANY D/B/A/ OLD NATIONAL TRUST COMPANY
320 SOUTH HIGH STREET
MUNCIE, Indiana 47305

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 1459575




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$14,403$15,848$14,207
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments2,9662,9543,016
Deposits000
Borrowings000
Equity11,14710,9409,751
Net Interest Income104462
Fee Income5,84023,6860
Overhead4,93820,66019,395
Net Operating Income1,0313,5432,875
Net Income6662,1681,736
Ratio Analysis Profitability%%%
Return on Assets *17.7516.7313.85
Operating Return on Assets *28.5327.3522.93
Return on Equity *22.0420.8118.02
Net Interest Margin *0.630.691.05
Fee Income / Assets *180.49182.830.00
Overhead / Assets *155.83159.47154.71
Efficiency Ratio82.7385.3687.09
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 / Assets77.3969.0368.64
Tangible Capital / Tangible Assets64.3752.8844.60
Risk-based Capital Ratio159.67141.66126.80
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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