Call reports 2016
INTEGRITY FIRST BANK — 2016
What INTEGRITY FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,042,000 | 82,021,000 | 82,640,000 | 81,660,000 |
| Total loans | 60,523,000 | 60,860,000 | 65,960,000 | 65,233,000 |
| Allowance for loan losses | 878,000 | 867,000 | 911,000 | 968,000 |
| Securities available for sale | 3,855,000 | 4,847,000 | 3,786,000 | 3,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,562,000 | 63,623,000 | 64,018,000 | 63,015,000 |
| Interest-bearing deposits | 50,058,000 | 50,472,000 | 49,366,000 | 52,096,000 |
| Noninterest-bearing deposits | 13,504,000 | 13,151,000 | 14,652,000 | 10,919,000 |
| Equity capital | 12,066,000 | 12,259,000 | 12,460,000 | 12,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,734,000 | 2,650,000 | 3,580,000 |
| Interest expense | 105,000 | 207,000 | 307,000 | 416,000 |
| Net interest income | 744,000 | 1,527,000 | 2,343,000 | 3,164,000 |
| Noninterest income | 84,000 | 237,000 | 336,000 | 471,000 |
| Noninterest expense | 573,000 | 1,217,000 | 1,810,000 | 2,532,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 255,000 | 547,000 | 869,000 | 1,103,000 |
| Income tax | 86,000 | 186,000 | 303,000 | 445,000 |
| Net income | 169,000 | 361,000 | 566,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,956,000 | 9,248,000 | 9,570,000 | 9,805,000 |
| Total capital | 9,755,000 | 10,049,000 | 10,423,000 | 10,643,000 |
| Risk-weighted assets | 62,614,000 | 62,835,000 | 67,082,000 | 65,833,000 |