Call reports 2007
INTEGRITY BANK & TRUST — 2007
What INTEGRITY BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 64,748,000 | 68,349,000 | 75,991,000 | 81,953,000 |
| Total loans | 45,951,000 | 55,608,000 | 59,989,000 | 68,470,000 |
| Allowance for loan losses | 455,000 | 500,000 | 560,000 | 605,000 |
| Securities available for sale | 5,756,000 | 5,508,000 | 5,290,000 | 5,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,928,000 | 54,874,000 | 60,934,000 | 66,832,000 |
| Interest-bearing deposits | 46,180,000 | 46,864,000 | 52,636,000 | 58,130,000 |
| Noninterest-bearing deposits | 7,748,000 | 8,010,000 | 8,298,000 | 8,702,000 |
| Equity capital | 5,709,000 | 5,801,000 | 6,248,000 | 6,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,667,000 | 4,131,000 | 5,720,000 |
| Interest expense | 508,000 | 1,070,000 | 1,738,000 | 2,482,000 |
| Net interest income | 774,000 | 1,597,000 | 2,393,000 | 3,238,000 |
| Noninterest income | 86,000 | 184,000 | 294,000 | 429,000 |
| Noninterest expense | 539,000 | 1,154,000 | 1,875,000 | 2,663,000 |
| Provision for loan losses | 0 | 45,000 | 105,000 | 150,000 |
| Pretax income | 321,000 | 582,000 | 707,000 | 854,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 582,000 | 707,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,710,000 | 5,810,000 | 6,236,000 | 6,791,000 |
| Total capital | 7,165,000 | 7,310,000 | 7,796,000 | 8,396,000 |
| Risk-weighted assets | 56,169,000 | 66,757,000 | 69,348,000 | 76,894,000 |