Call reports 2013
INDUS AMERICAN BANK — 2013
What INDUS AMERICAN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 190,702,000 | 197,753,000 | 210,753,000 | 212,746,000 |
| Total loans | 136,169,000 | 133,609,000 | 140,249,000 | 147,129,000 |
| Allowance for loan losses | 3,357,000 | 3,337,000 | 3,019,000 | 3,318,000 |
| Securities available for sale | 24,992,000 | 37,411,000 | 38,874,000 | 37,353,000 |
| Securities held to maturity | 4,328,000 | 8,909,000 | 8,893,000 | 9,876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,428,000 | 157,125,000 | 169,704,000 | 169,112,000 |
| Interest-bearing deposits | 133,366,000 | 140,141,000 | 150,280,000 | 151,936,000 |
| Noninterest-bearing deposits | 15,062,000 | 16,984,000 | 19,424,000 | 17,176,000 |
| Equity capital | 17,608,000 | 16,329,000 | 17,234,000 | 16,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,302,000 | 4,786,000 | 7,329,000 | 9,862,000 |
| Interest expense | 534,000 | 1,079,000 | 1,640,000 | 2,194,000 |
| Net interest income | 1,768,000 | 3,707,000 | 5,689,000 | 7,668,000 |
| Noninterest income | 375,000 | 661,000 | 1,025,000 | 1,471,000 |
| Noninterest expense | 1,737,000 | 3,523,000 | 5,404,000 | 7,582,000 |
| Provision for loan losses | 150,000 | 300,000 | 737,000 | 923,000 |
| Pretax income | 256,000 | 527,000 | 555,000 | 616,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 253,000 | 524,000 | 552,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,158,000 | 17,408,000 | 18,440,000 | 18,518,000 |
| Total capital | 18,861,000 | 19,110,000 | 20,254,000 | 20,419,000 |
| Risk-weighted assets | 134,762,000 | 134,526,000 | 143,926,000 | 150,656,000 |