Call reports 2009
INTEGRITY BANK — 2009
What INTEGRITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,306,000 | 47,232,000 | 46,341,000 | 52,544,000 |
| Total loans | 22,204,000 | 22,579,000 | 24,221,000 | 24,838,000 |
| Allowance for loan losses | 207,000 | 210,000 | 213,000 | 213,000 |
| Securities available for sale | 19,903,000 | 19,193,000 | 18,964,000 | 17,972,000 |
| Securities held to maturity | 221,000 | 150,000 | 79,000 | 79,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,743,000 | 39,703,000 | 37,607,000 | 45,071,000 |
| Interest-bearing deposits | 32,703,000 | 33,803,000 | 32,012,000 | 37,801,000 |
| Noninterest-bearing deposits | 6,040,000 | 5,900,000 | 5,595,000 | 7,270,000 |
| Equity capital | 7,415,000 | 7,347,000 | 7,506,000 | 7,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,140,000 | 1,719,000 | 2,289,000 |
| Interest expense | 141,000 | 283,000 | 419,000 | 556,000 |
| Net interest income | 432,000 | 857,000 | 1,300,000 | 1,733,000 |
| Noninterest income | 59,000 | 120,000 | 186,000 | 253,000 |
| Noninterest expense | 292,000 | 661,000 | 1,008,000 | 1,611,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 199,000 | 296,000 | 518,000 | 415,000 |
| Income tax | 9,000 | 16,000 | 19,000 | 15,000 |
| Net income | 190,000 | 280,000 | 499,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,879,000 | 6,869,000 | 6,988,000 | 6,790,000 |
| Total capital | 7,086,000 | 7,079,000 | 7,201,000 | 7,003,000 |
| Risk-weighted assets | 25,927,000 | 26,736,000 | 27,915,000 | 30,101,000 |