Call reports 2015
AMERICAN COMMUNITY BANK OF INDIANA — 2015
What AMERICAN COMMUNITY BANK OF INDIANA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 184,597,000 | 186,140,000 | 191,062,000 | 189,757,000 |
| Total loans | 150,278,000 | 148,096,000 | 153,538,000 | 155,244,000 |
| Allowance for loan losses | 1,836,000 | 1,880,000 | 1,880,000 | 1,902,000 |
| Securities available for sale | 7,061,000 | 6,510,000 | 6,087,000 | 5,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,967,000 | 163,499,000 | 168,116,000 | 166,886,000 |
| Interest-bearing deposits | 146,173,000 | 149,536,000 | 151,606,000 | 149,945,000 |
| Noninterest-bearing deposits | 15,794,000 | 13,963,000 | 16,510,000 | 16,941,000 |
| Equity capital | 18,479,000 | 18,805,000 | 19,202,000 | 18,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,973,000 | 3,838,000 | 5,746,000 | 7,654,000 |
| Interest expense | 197,000 | 397,000 | 598,000 | 802,000 |
| Net interest income | 1,776,000 | 3,441,000 | 5,148,000 | 6,852,000 |
| Noninterest income | 258,000 | 506,000 | 699,000 | 947,000 |
| Noninterest expense | 1,415,000 | 2,715,000 | 4,005,000 | 5,317,000 |
| Provision for loan losses | 50,000 | 90,000 | 90,000 | 115,000 |
| Pretax income | 569,000 | 1,142,000 | 1,752,000 | 2,367,000 |
| Income tax | 213,000 | 427,000 | 656,000 | 887,000 |
| Net income | 356,000 | 715,000 | 1,096,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,439,000 | 18,798,000 | 19,179,000 | 18,083,000 |
| Total capital | 20,182,000 | 20,532,000 | 20,997,000 | 19,928,000 |
| Risk-weighted assets | 139,415,000 | 138,591,000 | 145,378,000 | 147,507,000 |