SAFE & SOUND® STAR RATINGS

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, 2013
Federal Reserve System Identifier 1459575




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$15,848$14,207$14,910
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments2,9543,0163,038
Deposits000
Borrowings000
Equity10,9409,7518,666
Net Interest Income446277
Fee Income23,68600
Overhead20,66019,39521,930
Net Operating Income3,5432,875-733
Net Income2,1681,736-480
Ratio Analysis Profitability%%%
Return on Assets *16.7313.85-3.87
Operating Return on Assets *27.3522.93-5.91
Return on Equity *20.8118.02-5.29
Net Interest Margin *0.691.051.02
Fee Income / Assets *182.830.000.00
Overhead / Assets *159.47154.71177.01
Efficiency Ratio85.3687.09103.46
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 / Assets69.0368.6458.12
Tangible Capital / Tangible Assets52.8844.6042.56
Risk-based Capital Ratio141.66126.80132.15
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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