Call reports 2004
INTEGRITY BANK — 2004
What INTEGRITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,109,000 | 94,447,000 | 95,627,000 | 127,326,000 |
| Total loans | 46,310,000 | 57,911,000 | 78,935,000 | 100,084,000 |
| Allowance for loan losses | 463,000 | 606,000 | 804,000 | 1,018,000 |
| Securities available for sale | 11,833,000 | 28,476,000 | 1,686,000 | 19,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,710,000 | 86,635,000 | 79,454,000 | 110,678,000 |
| Interest-bearing deposits | 42,583,000 | 75,929,000 | 72,084,000 | 102,053,000 |
| Noninterest-bearing deposits | 4,127,000 | 10,706,000 | 7,370,000 | 8,625,000 |
| Equity capital | 7,266,000 | 7,682,000 | 16,069,000 | 16,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,291,000 | 2,311,000 | 3,744,000 |
| Interest expense | 195,000 | 464,000 | 860,000 | 1,364,000 |
| Net interest income | 356,000 | 827,000 | 1,451,000 | 2,380,000 |
| Noninterest income | 74,000 | 176,000 | 284,000 | 421,000 |
| Noninterest expense | 404,000 | 822,000 | 1,317,000 | 1,949,000 |
| Provision for loan losses | 145,000 | 288,000 | 486,000 | 700,000 |
| Pretax income | -119,000 | -107,000 | -68,000 | 152,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -119,000 | -107,000 | -68,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,250,000 | 7,689,000 | 16,071,000 | 16,535,000 |
| Total capital | 7,713,000 | 8,295,000 | 16,875,000 | 17,553,000 |
| Risk-weighted assets | 44,826,000 | 54,681,000 | 74,692,000 | 93,178,000 |