Call reports 2003
INTEGRITY BANK — 2003
What INTEGRITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 190,649,000 | 223,845,000 | 256,115,000 | 278,753,000 |
| Total loans | 161,272,000 | 180,827,000 | 207,876,000 | 238,888,000 |
| Allowance for loan losses | 1,417,000 | 1,767,000 | 1,986,000 | 3,572,000 |
| Securities available for sale | 21,348,000 | 22,854,000 | 23,763,000 | 26,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,017,000 | 196,980,000 | 225,427,000 | 232,212,000 |
| Interest-bearing deposits | 160,491,000 | 191,113,000 | 217,077,000 | 222,637,000 |
| Noninterest-bearing deposits | 6,526,000 | 5,867,000 | 8,350,000 | 9,575,000 |
| Equity capital | 16,148,000 | 19,027,000 | 20,373,000 | 24,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,822,000 | 6,108,000 | 9,840,000 | 14,189,000 |
| Interest expense | 1,037,000 | 2,233,000 | 3,556,000 | 4,931,000 |
| Net interest income | 1,785,000 | 3,875,000 | 6,284,000 | 9,258,000 |
| Noninterest income | 29,000 | 45,000 | 135,000 | 192,000 |
| Noninterest expense | 809,000 | 1,757,000 | 3,054,000 | 4,500,000 |
| Provision for loan losses | 334,000 | 683,000 | 902,000 | 2,488,000 |
| Pretax income | 672,000 | 1,481,000 | 2,464,000 | 2,463,000 |
| Income tax | 0 | 204,000 | 564,000 | 580,000 |
| Net income | 672,000 | 1,277,000 | 1,900,000 | 1,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,277,000 | 18,883,000 | 20,506,000 | 24,488,000 |
| Total capital | 17,694,000 | 20,651,000 | 26,492,000 | 27,834,000 |
| Risk-weighted assets | 179,770,000 | 203,351,000 | 231,912,000 | 267,414,000 |