Call reports 2016
INTEGRITY FIRST BANK, NATIONAL ASSOCIATION — 2016
What INTEGRITY FIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 441,960,000 | 432,869,000 | 432,431,000 | 454,606,000 |
| Total loans | 288,866,000 | 306,392,000 | 320,489,000 | 325,514,000 |
| Allowance for loan losses | 2,537,000 | 2,574,000 | 2,624,000 | 2,695,000 |
| Securities available for sale | 83,240,000 | 74,378,000 | 62,892,000 | 65,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,185,000 | 363,303,000 | 366,571,000 | 388,112,000 |
| Interest-bearing deposits | 328,114,000 | 325,164,000 | 327,806,000 | 349,501,000 |
| Noninterest-bearing deposits | 44,071,000 | 38,139,000 | 38,765,000 | 38,611,000 |
| Equity capital | 55,685,000 | 55,110,000 | 55,431,000 | 54,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,700,000 | 7,510,000 | 11,445,000 | 15,432,000 |
| Interest expense | 156,000 | 314,000 | 475,000 | 636,000 |
| Net interest income | 3,544,000 | 7,196,000 | 10,970,000 | 14,796,000 |
| Noninterest income | 1,093,000 | 2,204,000 | 3,385,000 | 4,575,000 |
| Noninterest expense | 3,457,000 | 6,916,000 | 10,447,000 | 13,901,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 350,000 |
| Pretax income | 1,137,000 | 2,401,000 | 3,767,000 | 5,204,000 |
| Income tax | 310,000 | 686,000 | 1,025,000 | 1,317,000 |
| Net income | 827,000 | 1,715,000 | 2,742,000 | 3,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,579,000 | 43,803,000 | 44,124,000 | 44,057,000 |
| Total capital | 47,154,000 | 46,427,000 | 46,800,000 | 46,803,000 |
| Risk-weighted assets | 304,332,000 | 309,546,000 | 321,640,000 | 327,151,000 |