Call reports 2005
INTEGRITY BANK — 2005
What INTEGRITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 523,285,000 | 597,834,000 | 660,669,000 | 751,036,000 |
| Total loans | 451,683,000 | 523,764,000 | 578,453,000 | 651,778,000 |
| Allowance for loan losses | 3,845,000 | 4,514,000 | 5,279,000 | 5,612,000 |
| Securities available for sale | 59,374,000 | 56,449,000 | 61,570,000 | 73,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,941,000 | 509,163,000 | 587,203,000 | 674,499,000 |
| Interest-bearing deposits | 456,697,000 | 498,979,000 | 574,844,000 | 661,398,000 |
| Noninterest-bearing deposits | 8,244,000 | 10,184,000 | 12,360,000 | 13,101,000 |
| Equity capital | 49,624,000 | 66,901,000 | 68,471,000 | 70,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,285,000 | 18,276,000 | 29,642,000 | 44,145,000 |
| Interest expense | 3,119,000 | 7,140,000 | 11,962,000 | 18,283,000 |
| Net interest income | 5,166,000 | 11,136,000 | 17,680,000 | 25,862,000 |
| Noninterest income | 137,000 | 279,000 | 576,000 | 762,000 |
| Noninterest expense | 2,229,000 | 4,843,000 | 7,833,000 | 11,096,000 |
| Provision for loan losses | 572,000 | 1,235,000 | 2,001,000 | 3,566,000 |
| Pretax income | 2,502,000 | 5,337,000 | 8,422,000 | 11,962,000 |
| Income tax | 930,000 | 1,980,000 | 3,114,000 | 4,450,000 |
| Net income | 1,572,000 | 3,357,000 | 5,308,000 | 7,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,354,000 | 67,140,000 | 68,840,000 | 71,044,000 |
| Total capital | 54,199,000 | 71,654,000 | 74,119,000 | 76,656,000 |
| Risk-weighted assets | 504,311,000 | 596,568,000 | 650,790,000 | 740,586,000 |