Great American Bancorp Inc. announced unaudited consolidated earnings results for the second quarter and six months ended June 30, 2016. For the six months, the company's total interest and dividend income was $2.586 million compared with $2.665 million a year ago. Net interest income was $2.405 million compared with $2.480 million a year ago. Net interest income after provision for loan losses was $2.405 million compared with $2.481 million a year ago. Income before income taxes was $0.514 million compared with $0.555 million a year ago. Net income was $0.297 million or $0.66 per basic and diluted share compared with $0.322 million or $0.69 per basic and diluted share a year ago. ROA (annualized) was 0.33% compared with 0.36% a year ago. ROE (annualized) was 3.47% compared with 3.94% a year ago. For the quarter, the company's total interest and dividend income was $1.301 million compared with $1.343 million a year ago. Net interest income was $1.211 million compared with $1.251 million a year ago. Net interest income after provision for loan losses was $1.211 million compared with $1.251 million a year ago. Income before income taxes was $0.242 million compared with $0.198 million a year ago. Net income was $0.139 million or $0.31 per basic and diluted share compared with $0.112 million or $0.24 per basic and diluted share a year ago. ROA (annualized) was 0.30% compared with 0.25% a year ago. ROE (annualized) was 3.24% compared with 2.73% a year ago. Net income was lower in the six months ended June 30, 2016 compared to the same period in 2015 primarily due to declines in net interest income and total noninterest income, offset by a reduction in total noninterest expense. Net interest income was lower due primarily to a decrease in interest income from loans.