Call reports 2004
INTEGRITY BANK — 2004
What INTEGRITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,707,000 | 40,630,000 | 40,262,000 | 42,315,000 |
| Total loans | 17,823,000 | 17,894,000 | 19,695,000 | 18,539,000 |
| Allowance for loan losses | 174,000 | 407,000 | 451,000 | 207,000 |
| Securities available for sale | 18,918,000 | 18,179,000 | 18,368,000 | 20,034,000 |
| Securities held to maturity | 155,000 | 155,000 | 135,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,127,000 | 33,714,000 | 32,206,000 | 35,368,000 |
| Interest-bearing deposits | 29,908,000 | 29,354,000 | 28,590,000 | 31,038,000 |
| Noninterest-bearing deposits | 4,219,000 | 4,360,000 | 3,616,000 | 4,330,000 |
| Equity capital | 7,148,000 | 6,668,000 | 6,832,000 | 6,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 835,000 | 1,300,000 | 1,760,000 |
| Interest expense | 122,000 | 242,000 | 361,000 | 483,000 |
| Net interest income | 348,000 | 593,000 | 939,000 | 1,277,000 |
| Noninterest income | 67,000 | 137,000 | 200,000 | 253,000 |
| Noninterest expense | 232,000 | 440,000 | 685,000 | 960,000 |
| Provision for loan losses | 0 | 236,000 | 396,000 | 546,000 |
| Pretax income | 183,000 | 54,000 | 58,000 | 24,000 |
| Income tax | 43,000 | 18,000 | 19,000 | -1,000 |
| Net income | 140,000 | 36,000 | 39,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,891,000 | 6,787,000 | 6,790,000 | 6,776,000 |
| Total capital | 7,065,000 | 7,051,000 | 7,069,000 | 6,983,000 |
| Risk-weighted assets | 21,357,000 | 21,009,000 | 22,131,000 | 21,898,000 |