Call reports 2007
INTEGRITY FIRST BANK, NATIONAL ASSOCIATION — 2007
What INTEGRITY FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 345,030,000 | 358,424,000 | 356,056,000 | 355,043,000 |
| Total loans | 202,165,000 | 207,434,000 | 208,817,000 | 204,244,000 |
| Allowance for loan losses | 3,112,000 | 3,075,000 | 3,025,000 | 3,012,000 |
| Securities available for sale | 100,777,000 | 107,810,000 | 103,152,000 | 98,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,847,000 | 288,599,000 | 281,628,000 | 288,159,000 |
| Interest-bearing deposits | 265,187,000 | 271,911,000 | 270,512,000 | 274,687,000 |
| Noninterest-bearing deposits | 14,660,000 | 16,688,000 | 11,116,000 | 13,472,000 |
| Equity capital | 52,550,000 | 52,420,000 | 53,483,000 | 54,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,684,000 | 9,586,000 | 14,680,000 | 19,800,000 |
| Interest expense | 1,738,000 | 3,525,000 | 5,501,000 | 7,437,000 |
| Net interest income | 2,946,000 | 6,061,000 | 9,179,000 | 12,363,000 |
| Noninterest income | 1,200,000 | 2,317,000 | 3,440,000 | 4,568,000 |
| Noninterest expense | 2,815,000 | 5,752,000 | 8,531,000 | 11,485,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,331,000 | 2,626,000 | 4,088,000 | 5,446,000 |
| Income tax | 330,000 | 645,000 | 1,000,000 | 1,336,000 |
| Net income | 1,001,000 | 1,981,000 | 3,088,000 | 4,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,104,000 | 42,401,000 | 42,846,000 | 43,193,000 |
| Total capital | 44,967,000 | 45,369,000 | 45,801,000 | 46,069,000 |
| Risk-weighted assets | 228,795,000 | 237,334,000 | 236,308,000 | 231,912,000 |