<PAGE>
Income Taxes
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
------------------------------
FORM 10-Q/A
(X) QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 1996
OR
( ) TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the transition period from to
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Commission File Number 0-23182
AMB FINANCIAL CORP.
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(Exact name of registrant as specified in its charter)
Delaware 35-1903582
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(State or other jurisdiction I.R.S. Employer
of incorporation or Identification
organization) Number
8230 Hohman Avenue, Munster, Indiana 46321-1578
- ------------------------------------ ------------
(Address of Principal executive offices) (Zip Code)
Registrant telephone number, including area code: (219) 836-5870
--------------
Check whether the issuer (1) has filed all reports required to be filed by
Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding
12 months (or for such shorter period that the registrant was required to file
such reports), and (2) has been subject to such filing requirements for the past
90 days. Yes No X
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As of August 7, 1996 there were 1,124,125 shares of the Registrant's common
stock issued and outstanding.
Transitional Small Business Disclosure Format(check one): Yes No X
----- -----
<PAGE>
SIGNATURES
Pursuant to the requirements of Section 13 or 15 (d) of the Securities and
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.
AMB FINANCIAL CORP.
-------------------
Registrant
DATE: August 7, 1996
BY:
Clement B. Knapp, Jr.
President and Chief Executive Officer
(DULY AUTHORIZED REPRESENTATIVE)
BY: Daniel T. Poludniak
Vice President and Chief Financial Officer
(PRINCIPAL FINANCIAL AND ACCOUNTING OFFICER)
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INDEX TO EXHIBIT
----------------
Exhibit No. Page No.
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27 Financial Data Schedule 4
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000915393
<NAME> AMB FINANCIAL CORP.
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1996
<CASH> 1,831,575
<INT-BEARING-DEPOSITS> 2,467,100
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 13,105,452
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 59,530,005
<ALLOWANCE> 359,010
<TOTAL-ASSETS> 79,408,346
<DEPOSITS> 59,988,886
<SHORT-TERM> 2,000,000
<LIABILITIES-OTHER> 1,210,799
<LONG-TERM> 0
0
0
<COMMON> 11,241
<OTHER-SE> 16,197,420
<TOTAL-LIABILITIES-AND-EQUITY> 79,408,346
<INTEREST-LOAN> 2,344,408
<INTEREST-INVEST> 483,686
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 2,828,094
<INTEREST-DEPOSIT> 1,353,556
<INTEREST-EXPENSE> 1,442,178
<INTEREST-INCOME-NET> 1,385,916
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,163,171
<INCOME-PRETAX> 435,845
<INCOME-PRE-EXTRAORDINARY> 435,845
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 280,644
<EPS-PRIMARY> 0.27
<EPS-DILUTED> 0.27
<YIELD-ACTUAL> 3.87
<LOANS-NON> 408,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 359,535
<CHARGE-OFFS> 525
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 359,010
<ALLOWANCE-DOMESTIC> 359,010
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
