Call reports 2004
INTEGRITY BANK & TRUST — 2004
What INTEGRITY BANK & TRUST 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 | 12,024,000 | 13,562,000 | 18,017,000 | 22,819,000 |
| Total loans | 7,549,000 | 11,271,000 | 15,162,000 | 19,855,000 |
| Allowance for loan losses | 75,000 | 112,000 | 144,000 | 194,000 |
| Securities available for sale | 1,011,000 | 996,000 | 1,002,000 | 999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,300,000 | 9,931,000 | 14,089,000 | 16,985,000 |
| Interest-bearing deposits | 7,011,000 | 8,428,000 | 10,790,000 | 13,955,000 |
| Noninterest-bearing deposits | 1,289,000 | 1,503,000 | 3,299,000 | 3,030,000 |
| Equity capital | 3,700,000 | 3,604,000 | 3,558,000 | 3,561,000 |
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 | 121,000 | 312,000 | 560,000 | 887,000 |
| Interest expense | 17,000 | 49,000 | 90,000 | 154,000 |
| Net interest income | 104,000 | 263,000 | 470,000 | 733,000 |
| Noninterest income | 29,000 | 60,000 | 94,000 | 134,000 |
| Noninterest expense | 238,000 | 472,000 | 734,000 | 983,000 |
| Provision for loan losses | 33,000 | 70,000 | 102,000 | 152,000 |
| Pretax income | -138,000 | -219,000 | -272,000 | -268,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -138,000 | -219,000 | -272,000 | -268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,694,000 | 3,612,000 | 3,560,000 | 3,564,000 |
| Total capital | 3,769,000 | 3,724,000 | 3,704,000 | 3,758,000 |
| Risk-weighted assets | 9,161,000 | 12,800,000 | 17,269,000 | 21,946,000 |