Call reports 2005
INTEGRITY BANK — 2005
What INTEGRITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,456,000 | 40,641,000 | 39,785,000 | 41,539,000 |
| Total loans | 17,173,000 | 17,454,000 | 18,903,000 | 19,823,000 |
| Allowance for loan losses | 216,000 | 191,000 | 192,000 | 192,000 |
| Securities available for sale | 19,169,000 | 19,288,000 | 18,661,000 | 17,552,000 |
| Securities held to maturity | 205,000 | 204,000 | 251,000 | 251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,679,000 | 33,597,000 | 32,672,000 | 35,260,000 |
| Interest-bearing deposits | 30,182,000 | 29,368,000 | 27,840,000 | 29,671,000 |
| Noninterest-bearing deposits | 4,497,000 | 4,229,000 | 4,832,000 | 5,589,000 |
| Equity capital | 6,610,000 | 6,788,000 | 6,830,000 | 6,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 955,000 | 1,446,000 | 1,952,000 |
| Interest expense | 134,000 | 275,000 | 426,000 | 577,000 |
| Net interest income | 340,000 | 680,000 | 1,020,000 | 1,375,000 |
| Noninterest income | 54,000 | 98,000 | 158,000 | 226,000 |
| Noninterest expense | 267,000 | 503,000 | 745,000 | 1,159,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 275,000 | 433,000 | 442,000 |
| Income tax | 47,000 | 105,000 | 177,000 | 171,000 |
| Net income | 80,000 | 170,000 | 256,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,857,000 | 6,946,000 | 7,032,000 | 6,297,000 |
| Total capital | 7,073,000 | 7,137,000 | 7,224,000 | 6,489,000 |
| Risk-weighted assets | 20,321,000 | 20,293,000 | 21,190,000 | 22,139,000 |