Call reports 2016
AMERICAN COMMUNITY BANK OF INDIANA — 2016
What AMERICAN COMMUNITY BANK OF INDIANA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 189,976,000 | 199,515,000 | 200,200,000 | 204,967,000 |
| Total loans | 154,784,000 | 160,256,000 | 163,422,000 | 166,456,000 |
| Allowance for loan losses | 1,921,000 | 1,911,000 | 1,976,000 | 1,957,000 |
| Securities available for sale | 5,372,000 | 5,008,000 | 4,660,000 | 4,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,311,000 | 172,143,000 | 172,194,000 | 177,254,000 |
| Interest-bearing deposits | 149,113,000 | 152,884,000 | 153,079,000 | 153,918,000 |
| Noninterest-bearing deposits | 19,198,000 | 19,259,000 | 19,115,000 | 23,336,000 |
| Equity capital | 18,528,000 | 18,919,000 | 19,373,000 | 18,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,887,000 | 3,794,000 | 5,794,000 | 7,791,000 |
| Interest expense | 201,000 | 406,000 | 642,000 | 880,000 |
| Net interest income | 1,686,000 | 3,388,000 | 5,152,000 | 6,911,000 |
| Noninterest income | 312,000 | 551,000 | 921,000 | 1,322,000 |
| Noninterest expense | 1,281,000 | 2,611,000 | 3,969,000 | 5,343,000 |
| Provision for loan losses | 40,000 | 40,000 | 100,000 | 180,000 |
| Pretax income | 677,000 | 1,288,000 | 2,004,000 | 2,710,000 |
| Income tax | 253,000 | 480,000 | 748,000 | 991,000 |
| Net income | 424,000 | 808,000 | 1,256,000 | 1,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,507,000 | 18,891,000 | 19,338,000 | 18,942,000 |
| Total capital | 20,354,000 | 20,788,000 | 21,296,000 | 20,899,000 |
| Risk-weighted assets | 147,667,000 | 151,721,000 | 156,585,000 | 158,229,000 |