American National Bank and Trust Company of Muncie in Muncie, Indiana (IN)
Table of contents:
| American National Bank and Trust Company of Muncie | |
|---|---|
| General | FDIC Certificate #: 13085 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Old National Bank (#3832) Federal Reserve ID: 999748 Date Established: January 01, 1918 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 20 (Interstate: No) OTS Docket #: 9646 FDIC's unique #: 8274 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: No Date of Deposit Insurance: June 21, 1934 Last Structure Change Effective Date: August 17, 2000 Last Structure Change Process Date: September 11, 2000 Last Data Update: September 11, 2000 Data Source Date: April 05, 2012 |
| Location | Address: 110 East Main Street, Muncie, IN 47305 County: Delaware Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Indianapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Muncie, IN (#5280) Core Based Statistical Area (CBSA): Muncie, IN (#34620) CBSA Metro Statistical Area: Muncie, IN (#34620) |
| Financial Summary | Total assets: $649.8 mil |
| Assets and Liabilities (December 31, 1999) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 199 |
| Total assets | $570,997 |
| Cash and due from depository institutions | $22,605 |
| Interest-bearing balances | $139 |
| Securities | $69,857 |
| Federal funds sold & reverse repurchase agreements | $28,900 |
| Net loans & leases | $432,381 |
| Loan loss allowance | $3,029 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,290 |
| Other real estate owned | $207 |
| Goodwill and other intangibles | $7,268 |
| All other assets | $4,489 |
| Life insurance assets | $0 |
| Total liabilities and capital | $570,997 |
| Total liabilities | $526,085 |
| Total deposits | $458,350 |
| Interest-bearing deposits | $407,836 |
| Deposits held in domestic offices | $458,350 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $9,807 |
| Trading liabilities | $0 |
| Other borrowed funds | $54,106 |
| Subordinated debt | $0 |
| All other liabilities | $3,822 |
| Total equity capital | $44,912 |
| Total bank equity capital | $44,912 |
| Perpetual preferred stock | $44,912 |
| Common stock | $0 |
| Surplus | $3,200 |
| Undivided profits | $15,471 |
| Memoranda | |
| Noncurrent loans and leases | $26,241 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $102,202 |
| Income earned, not collected on loans | $0 |
| Earning assets | $347 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $2,067 |
| Average Assets, quarterly | $531,277 |
| Volatile liabilities | $170,795 |
| Insider loans | $493,633 |
| FHLB advances | $548,170 |
| Loans and leases held for sale | $149,677 |
| Unused loan commitments | $46,773 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $296 |
| Total unused commitments | $102,202 |
| Restructured Loans and leases | $0 |
| Derivatives | $3,029 |
| Income and Expense (December 31, 1999) (Dollar figures in thousands) | |
| Total interest income | $36,427 |
| Total interest expense | $15,940 |
| Net interest income | $20,487 |
| Provision for loan and lease losses | $1,042 |
| Total noninterest income | $2,960 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,309 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,651 |
| Total noninterest expense | $13,003 |
| Salaries and employee benefits | $6,828 |
| Premises and equipment expense | $1,866 |
| Additional noninterest expense | $4,309 |
| Pre-tax net operating income | $9,402 |
| Securities gains (losses) | $103 |
| Applicable income taxes | $3,379 |
| Income before extraordinary items | $6,126 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $6,126 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $301 |
| Net operating income | $2,782 |
| Performance and Condition Ratios (December 31, 1999) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 7.99% |
| Cost of funding earning assets | 3.49% |
| Net interest margin | 4.49% |
| Noninterest income to earning assets | 0.65% |
| Noninterest expense to earning assets | 2.85% |
| Net operating income to assets | 1.23% |
| Return on assets (ROA) | 1.24% |
| Pretax return on assets | 1.93% |
| Return on equity (ROE) | 15.37% |
| Retained earnings to average equity (YTD only) | 8.39% |
| Net charge-offs to loans | 0.08% |
| Credit loss provision to net charge-offs | 346.18% |
| Efficiency ratio | 34.70% |
| Assets per employee | $53,384 |
| Cash dividends to net income (YTD only) | 2.87% |
| Condition Ratios (%) | |
| Loss allowance to loans | 45.41% |
| Loss allowance to noncurrent loans | 0.70% |
| Noncurrent assets plus other real estate owned to assets | 872.91% |
| Noncurrent loans to loans | 0.10% |
| Net loans and leases to deposits | 0.08% |
| Net loans and leases to core deposits | 94.33% |
| Equity capital to assets | 123.64% |
| Core capital (leverage) ratio | 7.87% |
| Tier 1 risk-based capital ratio | 7.20% |
| Total risk-based capital ratio | 9.51% |
| Memoranda | |
| Average assets | $10 |
| Average earning assets | $493,633 |
| Average equity | $39,860 |
| Average loans | $456,140 |
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