net loan balances increased to $ 1.81 billion at december 31 , 2016 , from $ 1.27 billion at december 31 , 2015 , from $ 1.05 billion at december 31 , 2014 . of the increase in 2016 , $ 439 million was due to loans acquired in the first clover leaf acquisition . in addition , $ 65 million or 12 % was due to increases in commercial real estate loans and $ 35.8 million or 6.6 % was due to increases in commercial and industrial loans . of the increase in 2015 , $ 152 million was due to loans acquired in onb branch purchase . in addition , $ 48.7 million or 22 % was due to increases in commercial and industrial loans and $ 20.7 million or 9.0 % was due to increases in loans secured by real estate . of the increase in 2014 , $ 19.8 million or 2.7 % was due to increases in loans secured by real estate and $ 55.4 million or 32.9 % was due to increases in commercial and industrial loans . total deposit balances increased to $ 2.33 billion at december 31 , 2016 from $ 1.73 billion at december 31 , 2015 and from $ 1.27 billion at december 31 , 2014 . the increase in 2016 was primarily the result of the acquisition of first clover leaf during the third quarter of 2016 that included $ 550 million in deposits . the increase in 2015 was primarily the result of the acquisition of the onb branches during third quarter of 2015 that included $ 454 million in deposits . 19 net interest margin , defined as net interest income divided by average interest-earning assets , was 3.28 % for 2016 , 3.27 % for 2015 and 3.43 % for 2014 . in 2016 , the ratio was modestly higher due to loan growth and the inclusion of first clover leaf for a full quarter . the decrease during 2015 was primarily due to the decline in earning asset yields from the higher amount of interest bearing deposits or short-term liquidity from the onb branch acquisition and declines in loan yields . net interest income increased to $ 71.2 million in 2016 from $ 55.8 million in 2015 and $ 51.5 million in 2014 . in 2016 , net interest income increased primarily due to growth in average earnings assets including loans and investments primarily due to the acquisition of first clover leaf and the onb branches . the net interest margin was higher due to loan growth and the acquisition of first clover leaf . in 2015 , net interest income increased primarily due to assets added in the acquisition of twelve onb branches and the growth in average earning assets . the net interest margin decreased primarily due to the decline in earning asset yield from the higher amount of interest bearing deposits or short-term liquidity from the acquisition and declines in loan and investment yields . non-interest income increased to $ 26.9 million in 2016 compared to $ 20.5 million in 2015 and $ 18.4 million in 2014 . atm revenue increased by $ 1.3 million or 28.4 % , and service charge income increased $ 1.1 million or 19.5 % primarily due to increased transactions following the first clover leaf acquisition , mortgage banking income increased $ 418,000 or 55.4 % as refinance activity and new purchase activity has increased due to lower mortgage rates . additionally , insurance commissions increased $ 1.3 million or 63.8 % compared to last year due to additional revenues from illiana insurance agency . non-interest expenses increased $ 12.3 million , to $ 61.5 million in 2016 compared to $ 49.2 million in 2015 , and $ 44.5 million in 2014 . the increase during 2016 was primarily due to expenses incurred of $ 1.3 million to acquire first clover leaf , expenses for the operation of the first clover leaf branches from acquisition in september to year-end and expense for the operation of the twelve onb branches acquired in august of 2015. in addition , salaries & benefits expense increased $ 6.0 million or 22.8 % , and occupancy & equipment expense increased $ 2.3 million or 24.9 % . the increase during 2015 was primarily due to expenses incurred of $ 1.4 million to acquire the twelve onb branches and expenses for the operation of the branches from acquisition in august through year-end . following is a summary of the factors that contributed to the changes in net income ( in thousands ) : replace_table_token_4_th credit quality is an area of importance to the company . year-end total nonperforming loans were $ 18.2 million at december 31 , 2016 compared to $ 4.0 million at december 31 , 2015 , and $ 4.5 million at december 31 , 2014 . the increase in provision expense in 2016 was primarily due to an increase in loan balances and an increase in non-performing loans . total non-performing loans for first clover leaf were $ 10.8 million and first mid bank non-performing loans were $ 7.4 million at december 31 , 2016. the decrease in 2015 and 2014 was the result of loans that paid off or became current during the year and loans transferred to other real estate owned . other real estate owned balances totaled $ 2.0 million at december 31 , 2016 compared to $ 478,000 at december 31 , 2015 , and $ 263,000 at december 31 , 2014 . the increase in 2016 was primarily due to properties acquired in the acquisition of first clover leaf bank net of properties sold during 2016. the increase in 2015 was due to more properties being transferred in than sold during the year . the company 's provision for loan losses was $ 2.8 million for 2016 , compared to $ 1.3 million for 2015 , and $ 629,000 for 2014 . story_separator_special_tag of non-interest bearing funds 0.06 % 0.04 % 0.05 % net yield on interest-earning assets 3.28 % 3.27 % 3.43 % ( 1 ) the tax-exempt income is not recorded on a tax equivalent basis . ( 2 ) nonaccrual loans have been included in the average balances . ( 3 ) includes loans held for sale . 23 changes in net interest income may also be analyzed by segregating the volume and rate components of interest income and interest expense . the following table summarizes the approximate relative contribution of changes in average volume and interest rates to changes in net interest income for the past two years ( in thousands ) : 2016 compared to 2015 increase – ( decrease ) 2015 compared to 2014 increase – ( decrease ) total change volume ( 1 ) rate ( 1 ) total change volume ( 1 ) rate ( 1 ) earning assets : interest-bearing deposits $ ( 4 ) $ ( 136 ) $ 132 $ 116 $ 119 $ ( 3 ) federal funds sold 40 32 8 ( 1 ) ( 1 ) — certificates of deposit investments 251 241 10 44 44 — investment securities : taxable 1,519 2,070 ( 551 ) 242 510 ( 268 ) tax-exempt ( 2 ) 947 1,066 ( 119 ) 455 598 ( 143 ) loans ( 3 ) 13,492 13,948 ( 456 ) 3,661 4,490 ( 829 ) total interest income 16,245 17,221 ( 976 ) 4,517 5,760 ( 1,243 ) interest-bearing liabilities : deposits : demand deposits , interest-bearing 271 271 — 33 102 ( 69 ) savings deposits 47 47 — 23 23 — time deposits 113 361 ( 248 ) ( 125 ) ( 56 ) ( 69 ) securities sold under agreements to repurchase 34 9 25 15 15 — fhlb advances 14 280 ( 266 ) 277 223 54 federal funds purchased 14 — 14 — — — subordinated debentures 146 27 119 12 — 12 other debt 154 154 — 12 10 2 total interest expense 793 1,149 ( 356 ) 247 317 ( 70 ) net interest income $ 15,452 $ 16,072 $ ( 620 ) $ 4,270 $ 5,443 $ ( 1,173 ) ( 1 ) changes attributable to the combined impact of volume and rate have been allocated proportionately to the change due to volume and the change due to rate . ( 2 ) the tax-exempt income is not recorded on a tax equivalent basis . ( 3 ) nonaccrual loans are not material and have been included in the average balances . net interest income increased $ 15.5 million or 27.7 % in 2016 compared to an increase of $ 4.3 million or 8.3 % in 2015 . in 2016 , net interest income increased primarily due to growth in average earnings assets including loans and investments primarily due to the acquisition of first clover leaf and the onb branches . the net interest margin was higher due to loan growth and the acquisition of first clover leaf . in 2015 , net interest income increased primarily due to assets added in the acquisition of twelve onb branches and the growth in average earning assets . the net interest margin decreased primarily due to the decline in earning asset yield from the higher amount of interest bearing deposits or short-term liquidity from the acquisition and declines in loan and investment yields . in 2016 , average earning assets increased by $ 467.9 million , or 27.5 % , and average interest-bearing liabilities increased by $ 370.9 million or 27.6 % . in 2015 , average earning assets increased by $ 199.9 million or 13.3 % and average interest-bearing liabilities increased $ 143.1 million or 11.9 % compared with 2014 . changes in average balances are shown below : average interest-bearing deposits held by the company decreased $ 40.2 million or 51.2 % in 2016 compared to 2015 . in 2015 , average interest-bearing deposits held by the company increased $ 46.2 million or 142.8 % compared to 2014 . average federal funds sold increased $ 7.9 million or 1,602.2 % in 2016 compared to 2015 . in 2015 , average federal funds sold decreased $ 2,000 or 0.4 % compared to 2014 . average certificates of deposit investments increased $ 23.7 million or 462.3 % in 2016 compared to 2015 . in 2015 , average certificates of deposit investments increased $ 5.1 million or 100.0 % compared to 2014 . 24 average loans increased by $ 328.1 million or 29.1 % in 2016 compared to 2015 . in 2015 , average loans increased by $ 103.9 million or 10.2 % compared to 2014 . average securities increased by $ 148.5 million or 30.4 % in 2016 compared to 2015 . in 2015 , average securities increased by $ 44.7 million or 10.1 % compared to 2014 . average deposits increased by $ 333.0 million or 28.0 % in 2016 compared to 2015 . in 2015 , average deposits increased by $ 117.8 million or 11.0 % compared to 2014 . average securities sold under agreements to repurchase increased by $ 16.0 million or 14.1 % in 2016 compared to 2015 . in 2015 , average securities sold under agreements to repurchase increased by $ 16.3 million or 16.7 % compared to 2014 . story_separator_special_tag style= `` line-height:120 % ; font-size:9pt ; `` > $ 44 million ( representing 368 loans ) in 2014 first mid bank and first clover leaf bank generally releases the servicing rights on loans sold into the secondary market . revenue from atms and debit cards increased $ 1,328,000 or 28.4 % to $ 6,004,000 in 2016 from $ 4,676,000 in 2015 compared to $ 3,915,000 in 2014 . the increase from 2015 to 2016 was due to an increase in electronic transactions primarily from the onb branches acquired in the third quarter of 2015 and incentives received from visa . the increase

average borrowings and other debt increased by $ 21.9 million or 49.3 % in 2016 compared to 2015 . in 2015 , average borrowings and other debt increased by $ 9.1 million or 25.7 % compared to 2014 . the federal funds rate remained at a range of .25 % to .625 % at december 31 , 2016 , 2015 and 2014 . net interest margin increased to 3.28 % compared to 3.27 % in 2015 and 3.43 % in 2014 . asset yields decreased by 2 basis points in 2016 , and interest-bearing liabilities decreased by 1 basis point . to compare the tax-exempt yields on interest-earning assets to taxable yields , the company also computes non-gaap net interest income on a tax equivalent basis where the interest earned on tax-exempt securities is adjusted to an amount comparable to interest subject to normal income taxes , assuming a federal tax rate of 35 % ( referred to as the tax equivalent adjustment ) . the tax equivalent basis adjustments to net interest income for 2016 , 2015 and 2014 were $ 2,428,000 , $ 1,674,000 , and $ 1,435,000 , respectively . the net yield on interest-earning assets on a tax equivalent basis was 3.39 % in 2016 , 3.37 % in 2015 and 3.53 % in 2014 . provision for loan losses the provision for loan losses in 2016 was $ 2,826,000 compared to $ 1,318,000 in 2015 and $ 629,000 in 2014 . nonperforming loans increased to $ 18,241,000 at december 31 , 2016 from $ 4,013,000 at december 31 , 2015 and $ 4,540,000 at december 31 , 2014 . the increase in provision expense in 2016 was primarily due to an increase in loan balances and an increase in non-performing loans for first mid bank .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```average borrowings and other debt increased by $ 21.9 million or 49.3 % in 2016 compared to 2015 . in 2015 , average borrowings and other debt increased by $ 9.1 million or 25.7 % compared to 2014 . the federal funds rate remained at a range of .25 % to .625 % at december 31 , 2016 , 2015 and 2014 . net interest margin increased to 3.28 % compared to 3.27 % in 2015 and 3.43 % in 2014 . asset yields decreased by 2 basis points in 2016 , and interest-bearing liabilities decreased by 1 basis point . to compare the tax-exempt yields on interest-earning assets to taxable yields , the company also computes non-gaap net interest income on a tax equivalent basis where the interest earned on tax-exempt securities is adjusted to an amount comparable to interest subject to normal income taxes , assuming a federal tax rate of 35 % ( referred to as the tax equivalent adjustment ) . the tax equivalent basis adjustments to net interest income for 2016 , 2015 and 2014 were $ 2,428,000 , $ 1,674,000 , and $ 1,435,000 , respectively . the net yield on interest-earning assets on a tax equivalent basis was 3.39 % in 2016 , 3.37 % in 2015 and 3.53 % in 2014 . provision for loan losses the provision for loan losses in 2016 was $ 2,826,000 compared to $ 1,318,000 in 2015 and $ 629,000 in 2014 . nonperforming loans increased to $ 18,241,000 at december 31 , 2016 from $ 4,013,000 at december 31 , 2015 and $ 4,540,000 at december 31 , 2014 . the increase in provision expense in 2016 was primarily due to an increase in loan balances and an increase in non-performing loans for first mid bank .
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 Suspicious Activity Report : net loan balances increased to $ 1.81 billion at december 31 , 2016 , from $ 1.27 billion at december 31 , 2015 , from $ 1.05 billion at december 31 , 2014 . of the increase in 2016 , $ 439 million was due to loans acquired in the first clover leaf acquisition . in addition , $ 65 million or 12 % was due to increases in commercial real estate loans and $ 35.8 million or 6.6 % was due to increases in commercial and industrial loans . of the increase in 2015 , $ 152 million was due to loans acquired in onb branch purchase . in addition , $ 48.7 million or 22 % was due to increases in commercial and industrial loans and $ 20.7 million or 9.0 % was due to increases in loans secured by real estate . of the increase in 2014 , $ 19.8 million or 2.7 % was due to increases in loans secured by real estate and $ 55.4 million or 32.9 % was due to increases in commercial and industrial loans . total deposit balances increased to $ 2.33 billion at december 31 , 2016 from $ 1.73 billion at december 31 , 2015 and from $ 1.27 billion at december 31 , 2014 . the increase in 2016 was primarily the result of the acquisition of first clover leaf during the third quarter of 2016 that included $ 550 million in deposits . the increase in 2015 was primarily the result of the acquisition of the onb branches during third quarter of 2015 that included $ 454 million in deposits . 19 net interest margin , defined as net interest income divided by average interest-earning assets , was 3.28 % for 2016 , 3.27 % for 2015 and 3.43 % for 2014 . in 2016 , the ratio was modestly higher due to loan growth and the inclusion of first clover leaf for a full quarter . the decrease during 2015 was primarily due to the decline in earning asset yields from the higher amount of interest bearing deposits or short-term liquidity from the onb branch acquisition and declines in loan yields . net interest income increased to $ 71.2 million in 2016 from $ 55.8 million in 2015 and $ 51.5 million in 2014 . in 2016 , net interest income increased primarily due to growth in average earnings assets including loans and investments primarily due to the acquisition of first clover leaf and the onb branches . the net interest margin was higher due to loan growth and the acquisition of first clover leaf . in 2015 , net interest income increased primarily due to assets added in the acquisition of twelve onb branches and the growth in average earning assets . the net interest margin decreased primarily due to the decline in earning asset yield from the higher amount of interest bearing deposits or short-term liquidity from the acquisition and declines in loan and investment yields . non-interest income increased to $ 26.9 million in 2016 compared to $ 20.5 million in 2015 and $ 18.4 million in 2014 . atm revenue increased by $ 1.3 million or 28.4 % , and service charge income increased $ 1.1 million or 19.5 % primarily due to increased transactions following the first clover leaf acquisition , mortgage banking income increased $ 418,000 or 55.4 % as refinance activity and new purchase activity has increased due to lower mortgage rates . additionally , insurance commissions increased $ 1.3 million or 63.8 % compared to last year due to additional revenues from illiana insurance agency . non-interest expenses increased $ 12.3 million , to $ 61.5 million in 2016 compared to $ 49.2 million in 2015 , and $ 44.5 million in 2014 . the increase during 2016 was primarily due to expenses incurred of $ 1.3 million to acquire first clover leaf , expenses for the operation of the first clover leaf branches from acquisition in september to year-end and expense for the operation of the twelve onb branches acquired in august of 2015. in addition , salaries & benefits expense increased $ 6.0 million or 22.8 % , and occupancy & equipment expense increased $ 2.3 million or 24.9 % . the increase during 2015 was primarily due to expenses incurred of $ 1.4 million to acquire the twelve onb branches and expenses for the operation of the branches from acquisition in august through year-end . following is a summary of the factors that contributed to the changes in net income ( in thousands ) : replace_table_token_4_th credit quality is an area of importance to the company . year-end total nonperforming loans were $ 18.2 million at december 31 , 2016 compared to $ 4.0 million at december 31 , 2015 , and $ 4.5 million at december 31 , 2014 . the increase in provision expense in 2016 was primarily due to an increase in loan balances and an increase in non-performing loans . total non-performing loans for first clover leaf were $ 10.8 million and first mid bank non-performing loans were $ 7.4 million at december 31 , 2016. the decrease in 2015 and 2014 was the result of loans that paid off or became current during the year and loans transferred to other real estate owned . other real estate owned balances totaled $ 2.0 million at december 31 , 2016 compared to $ 478,000 at december 31 , 2015 , and $ 263,000 at december 31 , 2014 . the increase in 2016 was primarily due to properties acquired in the acquisition of first clover leaf bank net of properties sold during 2016. the increase in 2015 was due to more properties being transferred in than sold during the year . the company 's provision for loan losses was $ 2.8 million for 2016 , compared to $ 1.3 million for 2015 , and $ 629,000 for 2014 . story_separator_special_tag of non-interest bearing funds 0.06 % 0.04 % 0.05 % net yield on interest-earning assets 3.28 % 3.27 % 3.43 % ( 1 ) the tax-exempt income is not recorded on a tax equivalent basis . ( 2 ) nonaccrual loans have been included in the average balances . ( 3 ) includes loans held for sale . 23 changes in net interest income may also be analyzed by segregating the volume and rate components of interest income and interest expense . the following table summarizes the approximate relative contribution of changes in average volume and interest rates to changes in net interest income for the past two years ( in thousands ) : 2016 compared to 2015 increase – ( decrease ) 2015 compared to 2014 increase – ( decrease ) total change volume ( 1 ) rate ( 1 ) total change volume ( 1 ) rate ( 1 ) earning assets : interest-bearing deposits $ ( 4 ) $ ( 136 ) $ 132 $ 116 $ 119 $ ( 3 ) federal funds sold 40 32 8 ( 1 ) ( 1 ) — certificates of deposit investments 251 241 10 44 44 — investment securities : taxable 1,519 2,070 ( 551 ) 242 510 ( 268 ) tax-exempt ( 2 ) 947 1,066 ( 119 ) 455 598 ( 143 ) loans ( 3 ) 13,492 13,948 ( 456 ) 3,661 4,490 ( 829 ) total interest income 16,245 17,221 ( 976 ) 4,517 5,760 ( 1,243 ) interest-bearing liabilities : deposits : demand deposits , interest-bearing 271 271 — 33 102 ( 69 ) savings deposits 47 47 — 23 23 — time deposits 113 361 ( 248 ) ( 125 ) ( 56 ) ( 69 ) securities sold under agreements to repurchase 34 9 25 15 15 — fhlb advances 14 280 ( 266 ) 277 223 54 federal funds purchased 14 — 14 — — — subordinated debentures 146 27 119 12 — 12 other debt 154 154 — 12 10 2 total interest expense 793 1,149 ( 356 ) 247 317 ( 70 ) net interest income $ 15,452 $ 16,072 $ ( 620 ) $ 4,270 $ 5,443 $ ( 1,173 ) ( 1 ) changes attributable to the combined impact of volume and rate have been allocated proportionately to the change due to volume and the change due to rate . ( 2 ) the tax-exempt income is not recorded on a tax equivalent basis . ( 3 ) nonaccrual loans are not material and have been included in the average balances . net interest income increased $ 15.5 million or 27.7 % in 2016 compared to an increase of $ 4.3 million or 8.3 % in 2015 . in 2016 , net interest income increased primarily due to growth in average earnings assets including loans and investments primarily due to the acquisition of first clover leaf and the onb branches . the net interest margin was higher due to loan growth and the acquisition of first clover leaf . in 2015 , net interest income increased primarily due to assets added in the acquisition of twelve onb branches and the growth in average earning assets . the net interest margin decreased primarily due to the decline in earning asset yield from the higher amount of interest bearing deposits or short-term liquidity from the acquisition and declines in loan and investment yields . in 2016 , average earning assets increased by $ 467.9 million , or 27.5 % , and average interest-bearing liabilities increased by $ 370.9 million or 27.6 % . in 2015 , average earning assets increased by $ 199.9 million or 13.3 % and average interest-bearing liabilities increased $ 143.1 million or 11.9 % compared with 2014 . changes in average balances are shown below : average interest-bearing deposits held by the company decreased $ 40.2 million or 51.2 % in 2016 compared to 2015 . in 2015 , average interest-bearing deposits held by the company increased $ 46.2 million or 142.8 % compared to 2014 . average federal funds sold increased $ 7.9 million or 1,602.2 % in 2016 compared to 2015 . in 2015 , average federal funds sold decreased $ 2,000 or 0.4 % compared to 2014 . average certificates of deposit investments increased $ 23.7 million or 462.3 % in 2016 compared to 2015 . in 2015 , average certificates of deposit investments increased $ 5.1 million or 100.0 % compared to 2014 . 24 average loans increased by $ 328.1 million or 29.1 % in 2016 compared to 2015 . in 2015 , average loans increased by $ 103.9 million or 10.2 % compared to 2014 . average securities increased by $ 148.5 million or 30.4 % in 2016 compared to 2015 . in 2015 , average securities increased by $ 44.7 million or 10.1 % compared to 2014 . average deposits increased by $ 333.0 million or 28.0 % in 2016 compared to 2015 . in 2015 , average deposits increased by $ 117.8 million or 11.0 % compared to 2014 . average securities sold under agreements to repurchase increased by $ 16.0 million or 14.1 % in 2016 compared to 2015 . in 2015 , average securities sold under agreements to repurchase increased by $ 16.3 million or 16.7 % compared to 2014 . story_separator_special_tag style= `` line-height:120 % ; font-size:9pt ; `` > $ 44 million ( representing 368 loans ) in 2014 first mid bank and first clover leaf bank generally releases the servicing rights on loans sold into the secondary market . revenue from atms and debit cards increased $ 1,328,000 or 28.4 % to $ 6,004,000 in 2016 from $ 4,676,000 in 2015 compared to $ 3,915,000 in 2014 . the increase from 2015 to 2016 was due to an increase in electronic transactions primarily from the onb branches acquired in the third quarter of 2015 and incentives received from visa . the increase

