Call reports 2008
INTEGRITY BANK — 2008
What INTEGRITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 320,223,000 | 359,331,000 | 358,896,000 | 389,507,000 |
| Total loans | 293,120,000 | 312,545,000 | 330,652,000 | 356,015,000 |
| Allowance for loan losses | 3,414,000 | 3,630,000 | 3,930,000 | 4,052,000 |
| Securities available for sale | 920,000 | 796,000 | 729,000 | 682,000 |
| Securities held to maturity | 1,011,000 | 890,000 | 888,000 | 817,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,256,000 | 309,313,000 | 305,469,000 | 335,889,000 |
| Interest-bearing deposits | 241,054,000 | 287,301,000 | 279,905,000 | 312,950,000 |
| Noninterest-bearing deposits | 22,202,000 | 22,012,000 | 25,564,000 | 22,939,000 |
| Equity capital | 21,687,000 | 22,264,000 | 23,098,000 | 23,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,133,000 | 10,205,000 | 15,463,000 | 20,748,000 |
| Interest expense | 2,437,000 | 4,771,000 | 7,164,000 | 9,499,000 |
| Net interest income | 2,696,000 | 5,434,000 | 8,299,000 | 11,249,000 |
| Noninterest income | 459,000 | 1,019,000 | 1,917,000 | 2,432,000 |
| Noninterest expense | 2,264,000 | 4,525,000 | 6,719,000 | 8,855,000 |
| Provision for loan losses | 215,000 | 435,000 | 725,000 | 918,000 |
| Pretax income | 676,000 | 1,493,000 | 2,772,000 | 3,908,000 |
| Income tax | 219,000 | 488,000 | 878,000 | 1,204,000 |
| Net income | 457,000 | 1,005,000 | 1,894,000 | 2,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,685,000 | 22,265,000 | 31,597,000 | 32,376,000 |
| Total capital | 31,599,000 | 32,395,000 | 35,504,000 | 36,428,000 |
| Risk-weighted assets | 291,551,000 | 313,636,000 | 312,531,000 | 338,750,000 |