Call reports 2012
AMERICAN COMMUNITY BANK OF INDIANA — 2012
What AMERICAN COMMUNITY BANK OF INDIANA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,221,000 | 178,224,000 | 178,050,000 | 179,493,000 |
| Total loans | 128,898,000 | 130,408,000 | 126,674,000 | 125,552,000 |
| Allowance for loan losses | 1,658,000 | 1,893,000 | 2,238,000 | 2,050,000 |
| Securities available for sale | 7,411,000 | 7,569,000 | 8,065,000 | 9,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,226,000 | 155,241,000 | 154,581,000 | 156,733,000 |
| Interest-bearing deposits | 147,402,000 | 145,687,000 | 143,647,000 | 144,957,000 |
| Noninterest-bearing deposits | 9,824,000 | 9,554,000 | 10,934,000 | 11,776,000 |
| Equity capital | 18,388,000 | 17,451,000 | 17,741,000 | 17,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,814,000 | 5,679,000 | 7,472,000 |
| Interest expense | 382,000 | 739,000 | 1,087,000 | 1,409,000 |
| Net interest income | 1,522,000 | 3,075,000 | 4,592,000 | 6,063,000 |
| Noninterest income | 338,000 | 668,000 | 1,199,000 | 1,494,000 |
| Noninterest expense | 1,200,000 | 2,398,000 | 3,682,000 | 4,995,000 |
| Provision for loan losses | 259,000 | 538,000 | 892,000 | 961,000 |
| Pretax income | 401,000 | 807,000 | 1,217,000 | 1,601,000 |
| Income tax | 148,000 | 299,000 | 450,000 | 591,000 |
| Net income | 253,000 | 508,000 | 767,000 | 1,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,525,000 | 16,587,000 | 16,873,000 | 16,929,000 |
| Total capital | 18,964,000 | 18,042,000 | 18,307,000 | 18,348,000 |
| Risk-weighted assets | 114,883,000 | 115,943,000 | 113,897,000 | 112,907,000 |
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