Call reports 2020
AMERICAN COMMUNITY BANK OF INDIANA — 2020
What AMERICAN COMMUNITY BANK OF INDIANA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 234,405,000 | 253,525,000 | 256,661,000 | 262,108,000 |
| Total loans | 189,576,000 | 203,844,000 | 205,233,000 | 192,314,000 |
| Allowance for loan losses | 2,193,000 | 2,516,000 | 2,407,000 | 2,475,000 |
| Securities available for sale | 8,283,000 | 7,465,000 | 6,526,000 | 5,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,274,000 | 219,623,000 | 222,011,000 | 226,435,000 |
| Interest-bearing deposits | 169,677,000 | 180,611,000 | 181,064,000 | 186,341,000 |
| Noninterest-bearing deposits | 31,597,000 | 39,012,000 | 40,947,000 | 40,094,000 |
| Equity capital | 21,287,000 | 21,897,000 | 22,493,000 | 23,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,760,000 | 7,225,000 | 10,005,000 |
| Interest expense | 592,000 | 1,072,000 | 1,518,000 | 1,923,000 |
| Net interest income | 1,788,000 | 3,688,000 | 5,707,000 | 8,082,000 |
| Noninterest income | 316,000 | 1,087,000 | 1,924,000 | 3,557,000 |
| Noninterest expense | 1,671,000 | 3,253,000 | 5,130,000 | 7,178,000 |
| Provision for loan losses | 30,000 | 331,000 | 481,000 | 539,000 |
| Pretax income | 403,000 | 1,191,000 | 2,020,000 | 3,922,000 |
| Income tax | 103,000 | 303,000 | 520,000 | 942,000 |
| Net income | 300,000 | 888,000 | 1,500,000 | 2,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,131,000 | 21,719,000 | 22,332,000 | 23,561,000 |
| Total capital | 23,324,000 | 23,989,000 | 24,601,000 | 25,823,000 |
| Risk-weighted assets | 181,542,000 | 181,407,000 | 181,419,000 | 180,804,000 |