Call reports 2005
INTEGRITY FIRST BANK, NATIONAL ASSOCIATION — 2005
What INTEGRITY FIRST BANK, NATIONAL ASSOCIATION 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 | 364,657,000 | 349,296,000 | 355,286,000 | 351,025,000 |
| Total loans | 185,422,000 | 183,018,000 | 183,116,000 | 182,361,000 |
| Allowance for loan losses | 3,579,000 | 3,548,000 | 3,365,000 | 3,302,000 |
| Securities available for sale | 136,486,000 | 125,649,000 | 130,135,000 | 127,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,967,000 | 272,368,000 | 282,517,000 | 270,953,000 |
| Interest-bearing deposits | 247,568,000 | 243,269,000 | 255,364,000 | 242,370,000 |
| Noninterest-bearing deposits | 29,399,000 | 29,099,000 | 27,153,000 | 28,583,000 |
| Equity capital | 48,273,000 | 49,689,000 | 49,985,000 | 49,767,000 |
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 | 4,371,000 | 8,717,000 | 13,012,000 | 17,369,000 |
| Interest expense | 1,114,000 | 2,277,000 | 3,310,000 | 4,239,000 |
| Net interest income | 3,257,000 | 6,440,000 | 9,702,000 | 13,130,000 |
| Noninterest income | 1,074,000 | 2,702,000 | 3,751,000 | 4,784,000 |
| Noninterest expense | 2,622,000 | 5,459,000 | 8,264,000 | 11,484,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,721,000 | 3,699,000 | 5,210,000 | 6,466,000 |
| Income tax | 470,000 | 1,050,000 | 1,435,000 | 1,733,000 |
| Net income | 1,251,000 | 2,649,000 | 3,775,000 | 4,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,495,000 | 39,289,000 | 39,813,000 | 40,165,000 |
| Total capital | 41,285,000 | 42,025,000 | 42,556,000 | 42,881,000 |
| Risk-weighted assets | 222,387,000 | 218,043,000 | 218,796,000 | 216,668,000 |