Call reports 2008
INTEGRITY BANK — 2008
What INTEGRITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,233,000 | 43,298,000 | 39,276,000 | 46,047,000 |
| Total loans | 19,531,000 | 20,552,000 | 21,848,000 | 22,613,000 |
| Allowance for loan losses | 209,000 | 206,000 | 195,000 | 257,000 |
| Securities available for sale | 16,696,000 | 15,550,000 | 14,964,000 | 17,858,000 |
| Securities held to maturity | 223,000 | 222,000 | 222,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,516,000 | 36,046,000 | 31,954,000 | 38,500,000 |
| Interest-bearing deposits | 29,300,000 | 29,292,000 | 26,912,000 | 32,075,000 |
| Noninterest-bearing deposits | 5,216,000 | 6,754,000 | 5,042,000 | 6,425,000 |
| Equity capital | 7,516,000 | 7,081,000 | 7,160,000 | 7,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 586,000 | 1,155,000 | 1,724,000 | 2,300,000 |
| Interest expense | 188,000 | 347,000 | 500,000 | 643,000 |
| Net interest income | 398,000 | 808,000 | 1,224,000 | 1,657,000 |
| Noninterest income | 60,000 | 121,000 | 188,000 | 255,000 |
| Noninterest expense | 284,000 | 556,000 | 869,000 | 1,356,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 85,000 |
| Pretax income | 159,000 | 358,000 | 528,000 | 500,000 |
| Income tax | 7,000 | 16,000 | 23,000 | 20,000 |
| Net income | 152,000 | 342,000 | 505,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,962,000 | 6,952,000 | 6,915,000 | 6,689,000 |
| Total capital | 7,171,000 | 7,158,000 | 7,110,000 | 6,946,000 |
| Risk-weighted assets | 22,874,000 | 24,133,000 | 24,668,000 | 26,347,000 |