Call reports 2008
INDUS AMERICAN BANK — 2008
What INDUS AMERICAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 108,044,000 | 111,315,000 | 120,129,000 | 134,017,000 |
| Total loans | 50,190,000 | 56,228,000 | 66,412,000 | 82,880,000 |
| Allowance for loan losses | 731,000 | 821,000 | 911,000 | 950,000 |
| Securities available for sale | 29,462,000 | 37,181,000 | 33,440,000 | 32,063,000 |
| Securities held to maturity | 7,062,000 | 6,918,000 | 4,667,000 | 4,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,748,000 | 70,527,000 | 76,994,000 | 95,706,000 |
| Interest-bearing deposits | 66,002,000 | 63,754,000 | 70,940,000 | 89,925,000 |
| Noninterest-bearing deposits | 4,746,000 | 6,773,000 | 6,054,000 | 5,781,000 |
| Equity capital | 15,492,000 | 14,045,000 | 12,758,000 | 12,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,669,000 | 3,235,000 | 4,931,000 | 6,860,000 |
| Interest expense | 896,000 | 1,699,000 | 2,488,000 | 3,441,000 |
| Net interest income | 773,000 | 1,536,000 | 2,443,000 | 3,419,000 |
| Noninterest income | 34,000 | 103,000 | 156,000 | 145,000 |
| Noninterest expense | 1,051,000 | 2,148,000 | 3,328,000 | 4,595,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 400,000 |
| Pretax income | -334,000 | -689,000 | -2,365,000 | -2,797,000 |
| Income tax | 0 | 3,000 | 3,000 | 2,000 |
| Net income | -334,000 | -692,000 | -2,368,000 | -2,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,593,000 | 14,264,000 | 12,620,000 | 12,220,000 |
| Total capital | 15,324,000 | 15,085,000 | 13,531,000 | 13,170,000 |
| Risk-weighted assets | 62,625,000 | 70,268,000 | 80,994,000 | 93,880,000 |
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