Call reports 2012
INDUS AMERICAN BANK — 2012
What INDUS AMERICAN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 203,420,000 | 194,309,000 | 188,936,000 | 188,226,000 |
| Total loans | 154,038,000 | 144,274,000 | 139,106,000 | 138,716,000 |
| Allowance for loan losses | 4,530,000 | 3,618,000 | 4,008,000 | 3,836,000 |
| Securities available for sale | 26,872,000 | 24,497,000 | 25,129,000 | 23,952,000 |
| Securities held to maturity | 1,982,000 | 1,884,000 | 739,000 | 660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,711,000 | 151,412,000 | 146,021,000 | 145,217,000 |
| Interest-bearing deposits | 140,192,000 | 136,563,000 | 130,773,000 | 128,621,000 |
| Noninterest-bearing deposits | 15,519,000 | 14,849,000 | 15,248,000 | 16,596,000 |
| Equity capital | 15,468,000 | 16,840,000 | 17,121,000 | 17,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,704,000 | 5,320,000 | 7,867,000 | 10,229,000 |
| Interest expense | 745,000 | 1,455,000 | 2,063,000 | 2,615,000 |
| Net interest income | 1,959,000 | 3,865,000 | 5,804,000 | 7,614,000 |
| Noninterest income | 521,000 | 959,000 | 1,322,000 | 1,593,000 |
| Noninterest expense | 1,839,000 | 3,777,000 | 5,527,000 | 7,347,000 |
| Provision for loan losses | 406,000 | 1,489,000 | 1,757,000 | 1,741,000 |
| Pretax income | 257,000 | -420,000 | -136,000 | 141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | -420,000 | -136,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,036,000 | 16,355,000 | 16,631,000 | 16,906,000 |
| Total capital | 16,940,000 | 18,140,000 | 18,313,000 | 18,586,000 |
| Risk-weighted assets | 149,718,000 | 140,948,000 | 132,274,000 | 132,262,000 |