Call reports 2004
INTEGRITY FIRST BANK, NATIONAL ASSOCIATION — 2004
What INTEGRITY FIRST BANK, NATIONAL ASSOCIATION 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 | 260,879,000 | 266,015,000 | 381,269,000 | 371,979,000 |
| Total loans | 129,957,000 | 128,777,000 | 185,055,000 | 185,075,000 |
| Allowance for loan losses | 1,280,000 | 1,272,000 | 3,721,000 | 3,662,000 |
| Securities available for sale | 105,908,000 | 109,493,000 | 145,358,000 | 143,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,713,000 | 215,904,000 | 283,591,000 | 286,678,000 |
| Interest-bearing deposits | 187,929,000 | 203,571,000 | 256,939,000 | 257,509,000 |
| Noninterest-bearing deposits | 8,784,000 | 12,333,000 | 26,652,000 | 29,169,000 |
| Equity capital | 38,316,000 | 23,603,000 | 48,492,000 | 48,752,000 |
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 | 3,177,000 | 6,255,000 | 10,786,000 | 15,269,000 |
| Interest expense | 770,000 | 1,493,000 | 2,650,000 | 3,789,000 |
| Net interest income | 2,407,000 | 4,762,000 | 8,136,000 | 11,480,000 |
| Noninterest income | 778,000 | 1,605,000 | 2,727,000 | 3,827,000 |
| Noninterest expense | 1,803,000 | 3,655,000 | 6,199,000 | 9,095,000 |
| Provision for loan losses | 19,000 | 67,000 | 89,000 | 89,000 |
| Pretax income | 1,363,000 | 2,645,000 | 4,579,000 | 6,127,000 |
| Income tax | 370,000 | 715,000 | 1,262,000 | 1,696,000 |
| Net income | 993,000 | 1,930,000 | 3,317,000 | 4,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,556,000 | 24,858,000 | 37,019,000 | 37,831,000 |
| Total capital | 38,836,000 | 26,130,000 | 39,903,000 | 40,631,000 |
| Risk-weighted assets | 149,749,000 | 152,554,000 | 229,770,000 | 223,159,000 |
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