American National Bank and Trust Company of Muncie in Muncie, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 17, 2000

  • American National Bank and Trust Company of Muncie in Muncie, Indiana (IN)
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American National Bank and Trust Company of Muncie - Overview

  • 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

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1999)

  • Dollar figures in thousands
  • 199Total employees (full-time equivalent)
  • $570,997Total assets
  • $22,605Cash and due from depository institutions
  • $139Interest-bearing balances
  • $69,857Securities
  • $28,900Federal funds sold & reverse repurchase agreements
  • $432,381Net loans & leases
  • $3,029Loan loss allowance
  • $0Trading account assets
  • $5,290Bank premises and fixed assets
  • $207Other real estate owned
  • $7,268Goodwill and other intangibles
  • $0Life insurance assets
  • $4,489All other assets
  • $570,997Total liabilities and capital
  • $526,085Total liabilities
  • $458,350Total deposits
  • $407,836Interest-bearing deposits
  • $458,350Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $9,807Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $54,106Other borrowed funds
  • $0Subordinated debt
  • $3,822All other liabilities
  • $44,912Total equity capital
  • $44,912Total bank equity capital
  • $44,912Perpetual preferred stock
  • $0Common stock
  • $3,200Surplus
  • $15,471Undivided profits
  • Memoranda
  • $26,241Noncurrent loans and leases
  • $102,202Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $347Earning assets
  • $0Long-term assets (5+ years)
  • $2,067Average Assets, year-to-date
  • $531,277Average Assets, quarterly
  • $170,795Volatile liabilities
  • $493,633Insider loans
  • $548,170FHLB advances
  • $149,677Loans and leases held for sale
  • $46,773Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $296Total risk weighted assets
  • $102,202Total unused commitments
  • $0Restructured Loans and leases
  • $3,029Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $36,427Total interest income
  • $15,940Total interest expense
  • $20,487Net interest income
  • $1,042Provision for loan and lease losses
  • $2,960Total noninterest income
  • $0Fiduciary activities
  • $1,309Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,651Additional noninterest income
  • $13,003Total noninterest expense
  • $6,828Salaries and employee benefits
  • $1,866Premises and equipment expense
  • $4,309Additional noninterest expense
  • $9,402Pre-tax net operating income
  • $103Securities gains (losses)
  • $3,379Applicable income taxes
  • $6,126Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,126Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $301Sale, conversion, retirement of capital stock, net
  • $2,782Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.99%Yield on earning assets
  • 3.49%Cost of funding earning assets
  • 4.49%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 15.37%Return on equity (ROE)
  • 8.39%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 346.18%Credit loss provision to net charge-offs
  • 34.70%Efficiency ratio
  • 53,384Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.41%Loss allowance to loans
  • 0.70%Loss allowance to noncurrent loans
  • 872.91%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 94.33%Net loans and leases to core deposits
  • 123.64%Equity capital to assets
  • 7.87%Core capital (leverage) ratio
  • 7.20%Tier 1 risk-based capital ratio
  • 9.51%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $493,633Average earning assets
  • $39,860Average equity
  • $456,140Average loans

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