Call reports 2013
AMERICAN COMMUNITY BANK OF INDIANA — 2013
What AMERICAN COMMUNITY BANK OF INDIANA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 180,129,000 | 178,891,000 | 177,431,000 | 174,073,000 |
| Total loans | 122,581,000 | 123,507,000 | 133,599,000 | 134,111,000 |
| Allowance for loan losses | 2,137,000 | 2,046,000 | 2,020,000 | 1,659,000 |
| Securities available for sale | 10,087,000 | 10,199,000 | 9,936,000 | 9,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,244,000 | 157,392,000 | 155,449,000 | 152,118,000 |
| Interest-bearing deposits | 147,936,000 | 147,694,000 | 143,518,000 | 139,287,000 |
| Noninterest-bearing deposits | 10,308,000 | 9,698,000 | 11,931,000 | 12,831,000 |
| Equity capital | 17,461,000 | 17,625,000 | 17,849,000 | 18,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,356,000 | 5,113,000 | 6,871,000 |
| Interest expense | 294,000 | 577,000 | 844,000 | 1,086,000 |
| Net interest income | 1,407,000 | 2,779,000 | 4,269,000 | 5,785,000 |
| Noninterest income | 377,000 | 685,000 | 974,000 | 1,148,000 |
| Noninterest expense | 1,293,000 | 2,556,000 | 3,852,000 | 5,159,000 |
| Provision for loan losses | 136,000 | 272,000 | 473,000 | 610,000 |
| Pretax income | 355,000 | 636,000 | 918,000 | 1,164,000 |
| Income tax | 69,000 | 108,000 | 147,000 | 171,000 |
| Net income | 286,000 | 528,000 | 771,000 | 993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,352,000 | 17,593,000 | 17,819,000 | 18,057,000 |
| Total capital | 18,768,000 | 19,049,000 | 19,417,000 | 19,638,000 |
| Risk-weighted assets | 112,590,000 | 115,916,000 | 127,437,000 | 126,392,000 |
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