Call reports 2012
INTEGRITY FIRST BANK — 2012
What INTEGRITY FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,235,000 | 93,344,000 | 89,930,000 | 84,711,000 |
| Total loans | 67,761,000 | 66,589,000 | 64,513,000 | 62,950,000 |
| Allowance for loan losses | 2,717,000 | 2,270,000 | 1,941,000 | 1,987,000 |
| Securities available for sale | 11,390,000 | 11,238,000 | 10,745,000 | 6,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,255,000 | 76,248,000 | 72,808,000 | 69,633,000 |
| Interest-bearing deposits | 73,239,000 | 67,942,000 | 63,561,000 | 62,036,000 |
| Noninterest-bearing deposits | 7,016,000 | 8,306,000 | 9,247,000 | 7,597,000 |
| Equity capital | 7,778,000 | 7,874,000 | 7,932,000 | 7,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,206,000 | 3,246,000 | 4,251,000 |
| Interest expense | 442,000 | 845,000 | 1,162,000 | 1,396,000 |
| Net interest income | 712,000 | 1,361,000 | 2,084,000 | 2,855,000 |
| Noninterest income | 106,000 | 271,000 | 356,000 | 479,000 |
| Noninterest expense | 806,000 | 1,477,000 | 2,152,000 | 2,886,000 |
| Provision for loan losses | -31,000 | -4,000 | 40,000 | 157,000 |
| Pretax income | 43,000 | 159,000 | 248,000 | 377,000 |
| Income tax | 0 | 8,000 | 20,000 | 88,000 |
| Net income | 43,000 | 151,000 | 228,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,470,000 | 7,578,000 | 7,654,000 | 7,715,000 |
| Total capital | 8,350,000 | 8,420,000 | 8,473,000 | 8,493,000 |
| Risk-weighted assets | 68,559,000 | 65,925,000 | 64,380,000 | 61,042,000 |