Call reports 2006
INTEGRITY BANK & TRUST — 2006
What INTEGRITY BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 57,163,000 | 59,633,000 | 61,145,000 | 61,660,000 |
| Total loans | 39,541,000 | 44,964,000 | 45,383,000 | 45,785,000 |
| Allowance for loan losses | 390,000 | 440,000 | 455,000 | 455,000 |
| Securities available for sale | 3,304,000 | 3,929,000 | 4,955,000 | 5,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,811,000 | 48,628,000 | 50,837,000 | 51,208,000 |
| Interest-bearing deposits | 36,517,000 | 38,221,000 | 39,613,000 | 40,129,000 |
| Noninterest-bearing deposits | 12,294,000 | 10,407,000 | 11,224,000 | 11,079,000 |
| Equity capital | 4,839,000 | 4,931,000 | 5,206,000 | 5,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,018,000 | 2,157,000 | 3,395,000 | 4,658,000 |
| Interest expense | 369,000 | 789,000 | 1,276,000 | 1,777,000 |
| Net interest income | 649,000 | 1,368,000 | 2,119,000 | 2,881,000 |
| Noninterest income | 58,000 | 121,000 | 200,000 | 280,000 |
| Noninterest expense | 444,000 | 911,000 | 1,409,000 | 1,974,000 |
| Provision for loan losses | 40,000 | 90,000 | 105,000 | 105,000 |
| Pretax income | 223,000 | 488,000 | 806,000 | 1,089,000 |
| Income tax | 0 | 155,000 | 230,000 | 287,000 |
| Net income | 223,000 | 333,000 | 576,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,861,000 | 4,970,000 | 5,213,000 | 5,389,000 |
| Total capital | 6,251,000 | 6,410,000 | 6,668,000 | 6,844,000 |
| Risk-weighted assets | 45,658,000 | 51,862,000 | 52,939,000 | 53,324,000 |