Call reports 2014
AMERICAN COMMUNITY BANK OF INDIANA — 2014
What AMERICAN COMMUNITY BANK OF INDIANA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 176,446,000 | 182,993,000 | 185,140,000 | 184,764,000 |
| Total loans | 137,507,000 | 145,141,000 | 144,677,000 | 147,945,000 |
| Allowance for loan losses | 1,711,000 | 1,842,000 | 1,814,000 | 1,774,000 |
| Securities available for sale | 8,886,000 | 8,469,000 | 7,899,000 | 7,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,417,000 | 160,220,000 | 161,434,000 | 161,018,000 |
| Interest-bearing deposits | 140,817,000 | 147,904,000 | 148,185,000 | 146,833,000 |
| Noninterest-bearing deposits | 12,600,000 | 12,316,000 | 13,249,000 | 14,185,000 |
| Equity capital | 18,333,000 | 18,661,000 | 18,980,000 | 18,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,535,000 | 5,386,000 | 7,196,000 |
| Interest expense | 212,000 | 410,000 | 620,000 | 823,000 |
| Net interest income | 1,511,000 | 3,125,000 | 4,766,000 | 6,373,000 |
| Noninterest income | 277,000 | 484,000 | 710,000 | 1,062,000 |
| Noninterest expense | 1,308,000 | 2,637,000 | 3,970,000 | 5,411,000 |
| Provision for loan losses | 60,000 | 80,000 | 80,000 | 120,000 |
| Pretax income | 420,000 | 892,000 | 1,426,000 | 1,904,000 |
| Income tax | 155,000 | 331,000 | 532,000 | 711,000 |
| Net income | 265,000 | 561,000 | 894,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,322,000 | 18,618,000 | 18,951,000 | 18,058,000 |
| Total capital | 19,921,000 | 20,307,000 | 20,672,000 | 19,817,000 |
| Risk-weighted assets | 127,768,000 | 134,933,000 | 137,558,000 | 140,696,000 |
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