Call reports 2015
INDUS AMERICAN BANK — 2015
What INDUS AMERICAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 243,774,000 | 245,067,000 | 250,609,000 | 246,118,000 |
| Total loans | 165,979,000 | 175,876,000 | 173,954,000 | 176,361,000 |
| Allowance for loan losses | 2,757,000 | 2,260,000 | 2,086,000 | 2,196,000 |
| Securities available for sale | 15,816,000 | 14,555,000 | 13,696,000 | 12,828,000 |
| Securities held to maturity | 33,226,000 | 35,955,000 | 35,739,000 | 35,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,854,000 | 199,066,000 | 208,936,000 | 205,095,000 |
| Interest-bearing deposits | 170,561,000 | 174,074,000 | 181,840,000 | 184,729,000 |
| Noninterest-bearing deposits | 31,292,000 | 24,991,000 | 27,096,000 | 20,366,000 |
| Equity capital | 20,627,000 | 20,917,000 | 20,918,000 | 19,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,643,000 | 5,478,000 | 8,263,000 | 11,010,000 |
| Interest expense | 604,000 | 1,247,000 | 1,900,000 | 2,559,000 |
| Net interest income | 2,039,000 | 4,231,000 | 6,363,000 | 8,451,000 |
| Noninterest income | 354,000 | 724,000 | 1,536,000 | 1,823,000 |
| Noninterest expense | 2,271,000 | 4,705,000 | 7,629,000 | 10,818,000 |
| Provision for loan losses | -50,000 | -50,000 | 650,000 | 1,236,000 |
| Pretax income | 172,000 | 301,000 | -380,000 | -1,780,000 |
| Income tax | -50,000 | -200,000 | -300,000 | 403,000 |
| Net income | 222,000 | 501,000 | -80,000 | -2,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,346,000 | 20,844,000 | 20,740,000 | 19,686,000 |
| Total capital | 22,515,000 | 23,104,000 | 22,826,000 | 21,882,000 |
| Risk-weighted assets | 172,919,000 | 192,757,000 | 187,068,000 | 193,549,000 |