Call reports 2015
INTEGRITY BANK — 2015
What INTEGRITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 75,899,000 | 72,142,000 | 66,017,000 | 66,753,000 |
| Total loans | 37,654,000 | 42,126,000 | 45,699,000 | 46,773,000 |
| Allowance for loan losses | 351,000 | 606,000 | 596,000 | 620,000 |
| Securities available for sale | 35,047,000 | 27,989,000 | 18,361,000 | 17,291,000 |
| Securities held to maturity | 68,000 | 67,000 | 67,000 | 66,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,186,000 | 58,277,000 | 55,839,000 | 58,895,000 |
| Interest-bearing deposits | 53,974,000 | 47,285,000 | 45,149,000 | 47,404,000 |
| Noninterest-bearing deposits | 12,212,000 | 10,992,000 | 10,690,000 | 11,491,000 |
| Equity capital | 7,642,000 | 7,297,000 | 7,532,000 | 7,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,305,000 | 1,988,000 | 2,711,000 |
| Interest expense | 49,000 | 97,000 | 141,000 | 184,000 |
| Net interest income | 569,000 | 1,208,000 | 1,847,000 | 2,527,000 |
| Noninterest income | 56,000 | 97,000 | 137,000 | 198,000 |
| Noninterest expense | 466,000 | 905,000 | 1,389,000 | 1,991,000 |
| Provision for loan losses | 35,000 | 291,000 | 305,000 | 325,000 |
| Pretax income | 124,000 | 113,000 | 322,000 | 449,000 |
| Income tax | 4,000 | 12,000 | 12,000 | 17,000 |
| Net income | 120,000 | 101,000 | 310,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,583,000 | 7,489,000 | 7,573,000 | 7,595,000 |
| Total capital | 7,934,000 | 8,095,000 | 8,169,000 | 8,215,000 |
| Risk-weighted assets | 46,414,000 | 51,349,000 | 53,575,000 | 55,149,000 |