Call reports 2011
INDUS AMERICAN BANK — 2011
What INDUS AMERICAN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 208,556,000 | 214,595,000 | 211,419,000 | 205,569,000 |
| Total loans | 165,595,000 | 166,971,000 | 167,542,000 | 162,193,000 |
| Allowance for loan losses | 3,875,000 | 4,058,000 | 3,851,000 | 4,781,000 |
| Securities available for sale | 29,763,000 | 28,922,000 | 21,853,000 | 22,825,000 |
| Securities held to maturity | 1,528,000 | 1,513,000 | 2,492,000 | 2,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,275,000 | 160,335,000 | 155,397,000 | 157,912,000 |
| Interest-bearing deposits | 140,208,000 | 144,662,000 | 140,786,000 | 143,282,000 |
| Noninterest-bearing deposits | 14,067,000 | 15,673,000 | 14,611,000 | 14,630,000 |
| Equity capital | 17,400,000 | 17,825,000 | 16,950,000 | 15,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,939,000 | 5,777,000 | 8,591,000 | 11,470,000 |
| Interest expense | 870,000 | 1,756,000 | 2,609,000 | 3,381,000 |
| Net interest income | 2,069,000 | 4,021,000 | 5,982,000 | 8,089,000 |
| Noninterest income | 522,000 | 979,000 | 1,389,000 | 2,106,000 |
| Noninterest expense | 1,858,000 | 3,606,000 | 5,931,000 | 8,206,000 |
| Provision for loan losses | 511,000 | 1,144,000 | 1,982,000 | 4,084,000 |
| Pretax income | 222,000 | 250,000 | -279,000 | -2,264,000 |
| Income tax | 1,000 | 37,000 | 37,000 | 37,000 |
| Net income | 221,000 | 213,000 | -316,000 | -2,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,087,000 | 17,051,000 | 16,825,000 | 14,772,000 |
| Total capital | 19,222,000 | 19,255,000 | 18,899,000 | 16,758,000 |
| Risk-weighted assets | 176,576,000 | 173,730,000 | 173,966,000 | 156,050,000 |