Call reports 2019
AMERICAN COMMUNITY BANK OF INDIANA — 2019
What AMERICAN COMMUNITY BANK OF INDIANA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 216,775,000 | 222,920,000 | 226,634,000 | 228,408,000 |
| Total loans | 177,427,000 | 184,373,000 | 179,707,000 | 184,100,000 |
| Allowance for loan losses | 1,910,000 | 1,926,000 | 1,993,000 | 2,150,000 |
| Securities available for sale | 6,148,000 | 7,375,000 | 7,859,000 | 8,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,781,000 | 190,578,000 | 193,658,000 | 195,641,000 |
| Interest-bearing deposits | 159,615,000 | 165,016,000 | 168,020,000 | 167,332,000 |
| Noninterest-bearing deposits | 25,166,000 | 25,562,000 | 25,638,000 | 28,309,000 |
| Equity capital | 20,019,000 | 20,476,000 | 20,807,000 | 20,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,373,000 | 4,838,000 | 7,311,000 | 9,720,000 |
| Interest expense | 612,000 | 1,238,000 | 1,932,000 | 2,551,000 |
| Net interest income | 1,761,000 | 3,600,000 | 5,379,000 | 7,169,000 |
| Noninterest income | 240,000 | 549,000 | 927,000 | 1,642,000 |
| Noninterest expense | 1,597,000 | 3,192,000 | 4,849,000 | 6,508,000 |
| Provision for loan losses | 0 | 20,000 | 70,000 | 220,000 |
| Pretax income | 404,000 | 937,000 | 1,387,000 | 2,083,000 |
| Income tax | 106,000 | 241,000 | 361,000 | 478,000 |
| Net income | 298,000 | 696,000 | 1,026,000 | 1,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,024,000 | 20,422,000 | 20,752,000 | 20,831,000 |
| Total capital | 21,934,000 | 22,348,000 | 22,745,000 | 22,981,000 |
| Risk-weighted assets | 168,820,000 | 177,753,000 | 173,870,000 | 176,887,000 |