Call reports 2007
INTEGRITY FIRST BANK — 2007
What INTEGRITY FIRST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 56,136,000 | 68,686,000 | 83,070,000 | 96,224,000 |
| Total loans | 45,633,000 | 55,727,000 | 63,576,000 | 77,609,000 |
| Allowance for loan losses | 682,000 | 824,000 | 960,000 | 1,178,000 |
| Securities available for sale | 5,088,000 | 8,813,000 | 11,320,000 | 11,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,858,000 | 57,682,000 | 72,254,000 | 82,085,000 |
| Interest-bearing deposits | 42,861,000 | 51,328,000 | 65,468,000 | 76,163,000 |
| Noninterest-bearing deposits | 3,997,000 | 6,354,000 | 6,786,000 | 5,922,000 |
| Equity capital | 8,999,000 | 8,857,000 | 9,045,000 | 12,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 2,025,000 | 3,408,000 | 4,956,000 |
| Interest expense | 464,000 | 1,049,000 | 1,799,000 | 2,655,000 |
| Net interest income | 447,000 | 976,000 | 1,609,000 | 2,301,000 |
| Noninterest income | 36,000 | 88,000 | 140,000 | 194,000 |
| Noninterest expense | 415,000 | 857,000 | 1,345,000 | 1,950,000 |
| Provision for loan losses | 124,000 | 266,000 | 402,000 | 620,000 |
| Pretax income | -55,000 | -59,000 | 2,000 | -75,000 |
| Income tax | 0 | 0 | 0 | -473,000 |
| Net income | -55,000 | -59,000 | 2,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,981,000 | 8,977,000 | 9,038,000 | 12,297,000 |
| Total capital | 9,581,000 | 9,695,000 | 9,862,000 | 13,291,000 |
| Risk-weighted assets | 47,904,000 | 57,316,000 | 65,810,000 | 79,349,000 |