Call reports 2005
INTEGRITY BANK — 2005
What INTEGRITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 132,722,000 | 160,716,000 | 184,613,000 | 202,647,000 |
| Total loans | 109,415,000 | 134,205,000 | 151,678,000 | 166,870,000 |
| Allowance for loan losses | 1,255,000 | 1,557,000 | 1,790,000 | 1,938,000 |
| Securities available for sale | 12,255,000 | 11,935,000 | 21,367,000 | 19,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,803,000 | 143,232,000 | 167,104,000 | 180,535,000 |
| Interest-bearing deposits | 95,240,000 | 126,072,000 | 147,172,000 | 164,689,000 |
| Noninterest-bearing deposits | 11,563,000 | 17,160,000 | 19,932,000 | 15,846,000 |
| Equity capital | 16,721,000 | 17,046,000 | 17,286,000 | 17,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,743,000 | 6,226,000 | 9,138,000 |
| Interest expense | 629,000 | 1,429,000 | 2,458,000 | 3,747,000 |
| Net interest income | 1,099,000 | 2,314,000 | 3,768,000 | 5,391,000 |
| Noninterest income | 154,000 | 348,000 | 496,000 | 624,000 |
| Noninterest expense | 746,000 | 1,563,000 | 2,640,000 | 3,859,000 |
| Provision for loan losses | 237,000 | 542,000 | 775,000 | 925,000 |
| Pretax income | 270,000 | 557,000 | 849,000 | 1,231,000 |
| Income tax | 0 | 0 | 0 | 87,000 |
| Net income | 270,000 | 557,000 | 849,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,805,000 | 17,092,000 | 17,384,000 | 17,679,000 |
| Total capital | 18,060,000 | 18,649,000 | 19,174,000 | 19,617,000 |
| Risk-weighted assets | 104,648,000 | 131,159,000 | 147,122,000 | 162,151,000 |