Call reports 2009
INTEGRITY BANK — 2009
What INTEGRITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 431,682,000 | 440,468,000 | 474,632,000 | 471,639,000 |
| Total loans | 389,890,000 | 397,920,000 | 427,398,000 | 434,952,000 |
| Allowance for loan losses | 4,154,000 | 4,529,000 | 4,683,000 | 5,095,000 |
| Securities available for sale | 660,000 | 572,000 | 471,000 | 2,390,000 |
| Securities held to maturity | 715,000 | 652,000 | 648,000 | 547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,092,000 | 360,454,000 | 366,361,000 | 364,617,000 |
| Interest-bearing deposits | 354,108,000 | 332,375,000 | 340,673,000 | 339,437,000 |
| Noninterest-bearing deposits | 22,984,000 | 28,079,000 | 25,688,000 | 25,180,000 |
| Equity capital | 24,388,000 | 25,086,000 | 23,332,000 | 24,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,116,000 | 10,560,000 | 16,193,000 | 22,172,000 |
| Interest expense | 2,257,000 | 4,294,000 | 6,276,000 | 7,984,000 |
| Net interest income | 2,859,000 | 6,266,000 | 9,917,000 | 14,188,000 |
| Noninterest income | 499,000 | 1,103,000 | 1,549,000 | 2,247,000 |
| Noninterest expense | 2,381,000 | 4,986,000 | 7,300,000 | 9,859,000 |
| Provision for loan losses | 220,000 | 595,000 | 890,000 | 1,922,000 |
| Pretax income | 757,000 | 1,788,000 | 3,276,000 | 4,654,000 |
| Income tax | 212,000 | 520,000 | 1,002,000 | 1,416,000 |
| Net income | 545,000 | 1,268,000 | 2,274,000 | 3,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,882,000 | 33,585,000 | 31,829,000 | 40,555,000 |
| Total capital | 37,036,000 | 43,114,000 | 41,512,000 | 50,650,000 |
| Risk-weighted assets | 367,810,000 | 380,211,000 | 404,279,000 | 422,099,000 |