Call reports 2008
INTEGRITY BANK & TRUST — 2008
What INTEGRITY BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 89,912,000 | 96,758,000 | 101,311,000 | 107,250,000 |
| Total loans | 70,887,000 | 79,390,000 | 82,210,000 | 86,997,000 |
| Allowance for loan losses | 692,000 | 705,000 | 765,000 | 1,042,000 |
| Securities available for sale | 7,423,000 | 10,017,000 | 10,534,000 | 9,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,831,000 | 74,182,000 | 80,195,000 | 87,391,000 |
| Interest-bearing deposits | 65,539,000 | 65,996,000 | 71,951,000 | 77,823,000 |
| Noninterest-bearing deposits | 7,292,000 | 8,186,000 | 8,244,000 | 9,568,000 |
| Equity capital | 6,757,000 | 6,898,000 | 7,080,000 | 7,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 2,918,000 | 4,437,000 | 5,899,000 |
| Interest expense | 722,000 | 1,405,000 | 2,110,000 | 2,816,000 |
| Net interest income | 754,000 | 1,513,000 | 2,327,000 | 3,083,000 |
| Noninterest income | 122,000 | 254,000 | 447,000 | 608,000 |
| Noninterest expense | 824,000 | 1,611,000 | 2,414,000 | 3,242,000 |
| Provision for loan losses | 90,000 | 150,000 | 210,000 | 562,000 |
| Pretax income | -21,000 | 24,000 | 168,000 | -95,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -21,000 | 24,000 | 168,000 | -95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,698,000 | 6,994,000 | 7,136,000 | 7,374,000 |
| Total capital | 8,390,000 | 8,699,000 | 8,901,000 | 9,416,000 |
| Risk-weighted assets | 79,387,000 | 85,484,000 | 87,765,000 | 91,634,000 |