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

Executive Summary

  • Earnings: ROA of 2.64%, down 1,369 bps year over year; NIM at 0.26%.

Return on Assets (quarter, annualized)

2.64%-1,369 bps YoY

Net Interest Margin (quarter, annualized)

0.26%-9 bps YoY

Efficiency Ratio (quarter, annualized)

93.55%+1,066 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.60%Q2 ’120.35%Q2 ’130.26%Q2 ’14-43%-25%

Non-interest income vs. expense

164.56%Q2 ’12177.94%Q2 ’13175.80%Q2 ’14+24%+82%

Discrete quarter, annualized.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets9.79%12.05%13.82%16.33%13.07%15.84%17.61%2.64%-1,369 bps
Return on Equity14.08%17.40%19.60%23.20%18.83%22.74%24.12%3.56%-1,964 bps
Net Interest Margin0.50%0.28%0.38%0.35%0.31%0.33%0.29%0.26%-9 bps
Efficiency Ratio86.12%83.62%82.96%82.89%83.06%80.48%79.88%93.55%+1,066 bps
Non-Interest Burden-18.07%-22.28%-25.00%-29.35%-23.68%-29.99%-29.79%-5.17%+2,418 bps
Growth
Asset Growth (YoY)0.35%-4.71%10.91%3.45%3.03%11.55%1.27%50.87%+4,743 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital130.15%126.80%143.87%133.11%145.88%141.66%159.67%117.92%-1,520 bps
Equity / Assets69.89%68.64%72.35%68.50%70.34%69.03%77.39%72.28%+378 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a