Call reports 2010
INDUS AMERICAN BANK — 2010
What INDUS AMERICAN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 197,843,000 | 202,549,000 | 211,745,000 | 211,482,000 |
| Total loans | 138,485,000 | 156,542,000 | 164,528,000 | 169,654,000 |
| Allowance for loan losses | 2,188,000 | 2,505,000 | 3,035,000 | 3,528,000 |
| Securities available for sale | 29,437,000 | 31,133,000 | 25,678,000 | 29,774,000 |
| Securities held to maturity | 1,926,000 | 1,906,000 | 1,704,000 | 1,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,847,000 | 146,422,000 | 148,114,000 | 153,858,000 |
| Interest-bearing deposits | 135,125,000 | 133,251,000 | 134,574,000 | 139,935,000 |
| Noninterest-bearing deposits | 11,722,000 | 13,171,000 | 13,540,000 | 13,923,000 |
| Equity capital | 17,793,000 | 18,111,000 | 18,355,000 | 17,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,678,000 | 5,598,000 | 8,807,000 | 11,797,000 |
| Interest expense | 898,000 | 1,804,000 | 2,682,000 | 3,573,000 |
| Net interest income | 1,780,000 | 3,794,000 | 6,125,000 | 8,224,000 |
| Noninterest income | 127,000 | 285,000 | 931,000 | 1,437,000 |
| Noninterest expense | 1,485,000 | 3,171,000 | 5,125,000 | 7,102,000 |
| Provision for loan losses | 300,000 | 690,000 | 1,340,000 | 2,880,000 |
| Pretax income | 122,000 | 280,000 | 652,000 | -259,000 |
| Income tax | 3,000 | 3,000 | 6,000 | 6,000 |
| Net income | 119,000 | 277,000 | 646,000 | -265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,300,000 | 17,321,000 | 17,652,000 | 16,872,000 |
| Total capital | 19,302,000 | 19,330,000 | 19,898,000 | 19,048,000 |
| Risk-weighted assets | 159,955,000 | 173,809,000 | 180,165,000 | 180,597,000 |