PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American National Trust and Investment Management Company

Muncie, IN · Cert 33001

FDIC

Q2 2014

$21.9MAssets
n/aLoans
n/aDeposits
$15.8MEquity

NIM

0.62%Q2 ’120.36%Q2 ’130.25%Q2 ’14-42%-32%

Non-interest income vs. expense

163.82%Q2 ’12168.26%Q2 ’13146.17%Q2 ’14-7%+46%

Executive Summary

  • Earnings: ROA of 9.04%, down 602 bps year over year; NIM at 0.25%.

Financial Results

Return on Assets (YTD, annualized)

9.04%-602 bps YoY

Net Interest Margin (YTD, annualized)

0.25%-11 bps YoY

Efficiency Ratio (YTD, annualized)

87.57%+465 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets15.06%14.37%14.71%17.61%9.04%-602 bps
Return on Equity21.57%20.54%21.08%24.12%12.43%-913 bps
Net Interest Margin0.36%0.34%0.33%0.29%0.25%-11 bps
Efficiency Ratio82.92%82.97%82.35%79.88%87.57%+465 bps
Non-Interest Burden-27.22%-25.46%-26.34%-29.79%-14.63%+1,259 bps
Growth
Asset Growth (YoY)3.45%3.03%11.55%1.27%50.87%+4,743 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital133.11%145.88%141.66%159.67%117.92%-1,520 bps
Equity / Assets68.50%70.34%69.03%77.39%72.28%+378 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a