Call reports 2003
INTEGRITY BANK — 2003
What INTEGRITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 36,650,000 | 38,571,000 | 36,403,000 | 40,703,000 |
| Total loans | 18,524,000 | 18,690,000 | 18,831,000 | 18,288,000 |
| Allowance for loan losses | 407,000 | 400,000 | 384,000 | 173,000 |
| Securities available for sale | 14,105,000 | 14,177,000 | 14,677,000 | 16,834,000 |
| Securities held to maturity | 276,000 | 276,000 | 156,000 | 155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,399,000 | 31,208,000 | 29,116,000 | 33,121,000 |
| Interest-bearing deposits | 25,954,000 | 27,732,000 | 25,564,000 | 28,881,000 |
| Noninterest-bearing deposits | 3,445,000 | 3,476,000 | 3,552,000 | 4,240,000 |
| Equity capital | 6,826,000 | 7,001,000 | 7,003,000 | 6,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,004,000 | 1,494,000 | 1,986,000 |
| Interest expense | 125,000 | 241,000 | 351,000 | 463,000 |
| Net interest income | 391,000 | 763,000 | 1,143,000 | 1,523,000 |
| Noninterest income | 38,000 | 81,000 | 138,000 | 213,000 |
| Noninterest expense | 204,000 | 421,000 | 656,000 | 1,079,000 |
| Provision for loan losses | 0 | 22,000 | 27,000 | 45,000 |
| Pretax income | 225,000 | 401,000 | 598,000 | 612,000 |
| Income tax | 81,000 | 145,000 | 215,000 | 216,000 |
| Net income | 144,000 | 256,000 | 383,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,549,000 | 6,661,000 | 6,788,000 | 6,751,000 |
| Total capital | 6,819,000 | 6,925,000 | 7,053,000 | 6,924,000 |
| Risk-weighted assets | 21,449,000 | 20,995,000 | 21,100,000 | 21,569,000 |