Call reports 2003
INTEGRITY FIRST BANK, NATIONAL ASSOCIATION — 2003
What INTEGRITY FIRST BANK, NATIONAL ASSOCIATION 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 | 277,131,000 | 274,609,000 | 272,577,000 | 268,386,000 |
| Total loans | 157,208,000 | 148,682,000 | 139,849,000 | 135,554,000 |
| Allowance for loan losses | 1,166,000 | 1,195,000 | 1,260,000 | 1,288,000 |
| Securities available for sale | 94,124,000 | 95,892,000 | 109,694,000 | 110,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,803,000 | 205,151,000 | 206,477,000 | 206,075,000 |
| Interest-bearing deposits | 196,092,000 | 198,489,000 | 198,027,000 | 199,180,000 |
| Noninterest-bearing deposits | 7,711,000 | 6,662,000 | 8,450,000 | 6,895,000 |
| Equity capital | 40,366,000 | 36,490,000 | 36,360,000 | 37,035,000 |
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 | 3,717,000 | 7,369,000 | 10,757,000 | 14,087,000 |
| Interest expense | 1,202,000 | 2,313,000 | 3,256,000 | 4,100,000 |
| Net interest income | 2,515,000 | 5,056,000 | 7,501,000 | 9,987,000 |
| Noninterest income | 689,000 | 1,448,000 | 2,132,000 | 2,895,000 |
| Noninterest expense | 1,736,000 | 3,614,000 | 5,423,000 | 7,365,000 |
| Provision for loan losses | 125,000 | 426,000 | 576,000 | 600,000 |
| Pretax income | 1,745,000 | 2,866,000 | 4,036,000 | 5,319,000 |
| Income tax | 535,000 | 855,000 | 1,135,000 | 1,460,000 |
| Net income | 1,210,000 | 2,011,000 | 2,901,000 | 3,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,729,000 | 35,622,000 | 36,206,000 | 36,863,000 |
| Total capital | 40,895,000 | 36,817,000 | 37,466,000 | 38,151,000 |
| Risk-weighted assets | 159,450,000 | 162,040,000 | 157,715,000 | 155,168,000 |