Call reports 2009
INDUS AMERICAN BANK — 2009
What INDUS AMERICAN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 142,612,000 | 158,078,000 | 167,216,000 | 188,944,000 |
| Total loans | 93,828,000 | 104,927,000 | 119,960,000 | 125,799,000 |
| Allowance for loan losses | 1,091,000 | 1,241,000 | 1,421,000 | 2,029,000 |
| Securities available for sale | 31,389,000 | 30,190,000 | 29,688,000 | 28,641,000 |
| Securities held to maturity | 2,508,000 | 2,383,000 | 2,366,000 | 2,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,535,000 | 117,272,000 | 120,413,000 | 137,874,000 |
| Interest-bearing deposits | 95,236,000 | 108,881,000 | 108,903,000 | 127,054,000 |
| Noninterest-bearing deposits | 6,299,000 | 8,392,000 | 11,510,000 | 10,820,000 |
| Equity capital | 12,674,000 | 12,445,000 | 18,353,000 | 17,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,193,000 | 6,504,000 | 9,174,000 |
| Interest expense | 983,000 | 1,955,000 | 2,852,000 | 3,701,000 |
| Net interest income | 1,027,000 | 2,238,000 | 3,652,000 | 5,473,000 |
| Noninterest income | 39,000 | 89,000 | 217,000 | 920,000 |
| Noninterest expense | 1,337,000 | 2,810,000 | 4,312,000 | 5,880,000 |
| Provision for loan losses | 150,000 | 300,000 | 480,000 | 2,198,000 |
| Pretax income | -421,000 | -667,000 | -989,000 | -1,751,000 |
| Income tax | 1,000 | 0 | 4,000 | 4,000 |
| Net income | -422,000 | -667,000 | -993,000 | -1,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,909,000 | 12,684,000 | 18,069,000 | 17,171,000 |
| Total capital | 13,000,000 | 13,925,000 | 19,490,000 | 19,044,000 |
| Risk-weighted assets | 105,112,000 | 119,531,000 | 130,969,000 | 149,713,000 |