Call reports 2007
INDUS AMERICAN BANK — 2007
What INDUS AMERICAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 70,502,000 | 76,618,000 | 100,450,000 | 102,841,000 |
| Total loans | 26,220,000 | 36,702,000 | 42,013,000 | 49,060,000 |
| Allowance for loan losses | 311,000 | 416,000 | 521,000 | 641,000 |
| Securities available for sale | 6,846,000 | 6,572,000 | 15,918,000 | 27,083,000 |
| Securities held to maturity | 30,032,000 | 28,510,000 | 28,398,000 | 14,284,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,814,000 | 53,799,000 | 60,125,000 | 67,268,000 |
| Interest-bearing deposits | 49,732,000 | 49,645,000 | 56,692,000 | 62,113,000 |
| Noninterest-bearing deposits | 4,082,000 | 4,154,000 | 3,433,000 | 5,155,000 |
| Equity capital | 16,457,000 | 15,956,000 | 15,733,000 | 15,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 961,000 | 2,141,000 | 3,545,000 | 5,164,000 |
| Interest expense | 564,000 | 1,195,000 | 2,016,000 | 2,973,000 |
| Net interest income | 397,000 | 946,000 | 1,529,000 | 2,191,000 |
| Noninterest income | 17,000 | 46,000 | 76,000 | 118,000 |
| Noninterest expense | 675,000 | 1,600,000 | 2,468,000 | 3,476,000 |
| Provision for loan losses | 75,000 | 180,000 | 285,000 | 405,000 |
| Pretax income | -336,000 | -788,000 | -1,148,000 | -1,572,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -336,000 | -788,000 | -1,148,000 | -1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,114,000 | 15,689,000 | 15,356,000 | 14,960,000 |
| Total capital | 16,425,000 | 16,105,000 | 15,877,000 | 15,601,000 |
| Risk-weighted assets | 36,148,000 | 46,233,000 | 54,735,000 | 61,702,000 |
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