Call reports 2014
INDUS AMERICAN BANK — 2014
What INDUS AMERICAN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 218,949,000 | 228,281,000 | 234,779,000 | 231,414,000 |
| Total loans | 153,853,000 | 152,773,000 | 157,188,000 | 159,268,000 |
| Allowance for loan losses | 3,368,000 | 3,046,000 | 3,027,000 | 2,883,000 |
| Securities available for sale | 36,395,000 | 37,075,000 | 34,141,000 | 33,973,000 |
| Securities held to maturity | 9,813,000 | 9,801,000 | 15,781,000 | 18,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,798,000 | 187,683,000 | 193,539,000 | 189,767,000 |
| Interest-bearing deposits | 157,517,000 | 163,276,000 | 161,040,000 | 164,199,000 |
| Noninterest-bearing deposits | 21,281,000 | 24,407,000 | 32,499,000 | 25,568,000 |
| Equity capital | 17,741,000 | 18,384,000 | 19,463,000 | 20,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,532,000 | 5,154,000 | 7,901,000 | 10,543,000 |
| Interest expense | 565,000 | 1,144,000 | 1,736,000 | 2,324,000 |
| Net interest income | 1,967,000 | 4,010,000 | 6,165,000 | 8,219,000 |
| Noninterest income | 273,000 | 543,000 | 764,000 | 942,000 |
| Noninterest expense | 1,964,000 | 4,057,000 | 6,291,000 | 8,467,000 |
| Provision for loan losses | 81,000 | 136,000 | 236,000 | 236,000 |
| Pretax income | 195,000 | 361,000 | 403,000 | 459,000 |
| Income tax | -103,000 | -203,000 | -303,000 | -403,000 |
| Net income | 298,000 | 564,000 | 706,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,821,000 | 19,086,000 | 20,031,000 | 20,192,000 |
| Total capital | 20,807,000 | 21,083,000 | 22,054,000 | 22,260,000 |
| Risk-weighted assets | 157,529,000 | 158,748,000 | 160,886,000 | 164,593,000 |