Call reports 2016
INDUS AMERICAN BANK — 2016
What INDUS AMERICAN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 243,655,000 | 240,866,000 | 235,053,000 | 233,341,000 |
| Total loans | 173,516,000 | 169,697,000 | 171,704,000 | 184,264,000 |
| Allowance for loan losses | 2,200,000 | 2,208,000 | 2,460,000 | 1,936,000 |
| Securities available for sale | 9,541,000 | 8,971,000 | 8,388,000 | 7,559,000 |
| Securities held to maturity | 31,781,000 | 25,611,000 | 19,901,000 | 18,656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,611,000 | 199,954,000 | 194,682,000 | 193,309,000 |
| Interest-bearing deposits | 184,374,000 | 180,979,000 | 174,822,000 | 167,629,000 |
| Noninterest-bearing deposits | 18,237,000 | 18,975,000 | 19,860,000 | 25,680,000 |
| Equity capital | 20,011,000 | 20,188,000 | 19,595,000 | 19,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,743,000 | 5,341,000 | 7,941,000 | 10,629,000 |
| Interest expense | 619,000 | 1,268,000 | 1,929,000 | 2,538,000 |
| Net interest income | 2,124,000 | 4,073,000 | 6,012,000 | 8,091,000 |
| Noninterest income | 277,000 | 818,000 | 1,212,000 | 1,446,000 |
| Noninterest expense | 2,260,000 | 4,601,000 | 7,304,000 | 9,665,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 400,000 |
| Pretax income | 247,000 | 396,000 | -224,000 | -388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 247,000 | 396,000 | -224,000 | -388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,778,000 | 19,927,000 | 19,315,000 | 19,276,000 |
| Total capital | 21,978,000 | 22,135,000 | 21,656,000 | 21,212,000 |
| Risk-weighted assets | 186,956,000 | 184,945,000 | 187,119,000 | 189,791,000 |