Call reports 2004
INTEGRITY BANK — 2004
What INTEGRITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 300,666,000 | 349,295,000 | 403,339,000 | 444,631,000 |
| Total loans | 245,882,000 | 290,879,000 | 350,271,000 | 385,906,000 |
| Allowance for loan losses | 3,713,000 | 3,735,000 | 4,210,000 | 3,433,000 |
| Securities available for sale | 25,953,000 | 37,815,000 | 40,083,000 | 47,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,821,000 | 271,863,000 | 317,084,000 | 373,500,000 |
| Interest-bearing deposits | 244,246,000 | 262,226,000 | 306,202,000 | 363,941,000 |
| Noninterest-bearing deposits | 9,575,000 | 9,637,000 | 10,882,000 | 9,559,000 |
| Equity capital | 29,372,000 | 36,338,000 | 47,526,000 | 47,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,555,000 | 9,606,000 | 15,599,000 | 22,447,000 |
| Interest expense | 1,404,000 | 2,901,000 | 4,799,000 | 7,283,000 |
| Net interest income | 3,151,000 | 6,705,000 | 10,800,000 | 15,164,000 |
| Noninterest income | 62,000 | 71,000 | 301,000 | 453,000 |
| Noninterest expense | 1,434,000 | 2,981,000 | 5,013,000 | 7,107,000 |
| Provision for loan losses | 141,000 | 713,000 | 1,176,000 | 2,627,000 |
| Pretax income | 1,638,000 | 3,082,000 | 4,912,000 | 5,883,000 |
| Income tax | 640,000 | 1,140,000 | 1,818,000 | 2,189,000 |
| Net income | 998,000 | 1,942,000 | 3,094,000 | 3,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,286,000 | 36,930,000 | 47,582,000 | 48,182,000 |
| Total capital | 32,865,000 | 40,665,000 | 51,792,000 | 51,615,000 |
| Risk-weighted assets | 286,204,000 | 335,305,000 | 389,157,000 | 423,866,000 |