Call reports 2015
INTEGRITY FIRST BANK — 2015
What INTEGRITY FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 73,986,000 | 76,457,000 | 78,574,000 | 78,828,000 |
| Total loans | 56,233,000 | 56,096,000 | 58,739,000 | 60,109,000 |
| Allowance for loan losses | 1,020,000 | 835,000 | 857,000 | 904,000 |
| Securities available for sale | 4,616,000 | 4,275,000 | 4,744,000 | 4,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,616,000 | 56,621,000 | 60,334,000 | 60,480,000 |
| Interest-bearing deposits | 46,593,000 | 45,054,000 | 45,757,000 | 48,276,000 |
| Noninterest-bearing deposits | 11,023,000 | 11,567,000 | 14,577,000 | 12,204,000 |
| Equity capital | 8,484,000 | 11,961,000 | 12,086,000 | 12,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,617,000 | 2,451,000 | 3,331,000 |
| Interest expense | 100,000 | 200,000 | 295,000 | 395,000 |
| Net interest income | 712,000 | 1,417,000 | 2,156,000 | 2,936,000 |
| Noninterest income | 87,000 | 189,000 | 267,000 | 380,000 |
| Noninterest expense | 581,000 | 1,223,000 | 1,836,000 | 2,542,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 80,000 |
| Pretax income | 203,000 | 353,000 | 542,000 | 694,000 |
| Income tax | 0 | -3,332,000 | -3,268,000 | -3,219,000 |
| Net income | 203,000 | 3,685,000 | 3,810,000 | 3,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,446,000 | 8,647,000 | 8,836,000 | 8,988,000 |
| Total capital | 9,151,000 | 9,380,000 | 9,604,000 | 9,791,000 |
| Risk-weighted assets | 56,104,000 | 56,571,000 | 59,450,000 | 62,264,000 |