Call reports 2005
INTEGRITY BANK & TRUST — 2005
What INTEGRITY BANK & TRUST 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 | 27,798,000 | 37,037,000 | 44,773,000 | 56,550,000 |
| Total loans | 24,320,000 | 28,651,000 | 30,220,000 | 37,025,000 |
| Allowance for loan losses | 224,000 | 264,000 | 310,000 | 360,000 |
| Securities available for sale | 990,000 | 994,000 | 990,000 | 2,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,676,000 | 31,419,000 | 35,833,000 | 48,898,000 |
| Interest-bearing deposits | 18,526,000 | 26,842,000 | 29,701,000 | 40,066,000 |
| Noninterest-bearing deposits | 3,150,000 | 4,577,000 | 6,132,000 | 8,832,000 |
| Equity capital | 3,606,000 | 3,621,000 | 3,933,000 | 4,128,000 |
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 | 437,000 | 984,000 | 1,683,000 | 2,599,000 |
| Interest expense | 96,000 | 262,000 | 494,000 | 837,000 |
| Net interest income | 341,000 | 722,000 | 1,189,000 | 1,762,000 |
| Noninterest income | 50,000 | 97,000 | 147,000 | 201,000 |
| Noninterest expense | 308,000 | 685,000 | 1,090,000 | 1,523,000 |
| Provision for loan losses | 30,000 | 70,000 | 116,000 | 166,000 |
| Pretax income | 53,000 | 64,000 | 130,000 | 274,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 53,000 | 64,000 | 130,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,617,000 | 3,627,000 | 3,943,000 | 4,137,000 |
| Total capital | 3,841,000 | 3,891,000 | 5,253,000 | 5,497,000 |
| Risk-weighted assets | 27,291,000 | 32,812,000 | 35,671,000 | 43,461,000 |