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SAFE & SOUND® STAR RATINGS

INTEGRITY BANK & TRUST

1275 VILLAGE RIDGE POINT
MONUMENT, Colorado 80132

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of March 31, 2015
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$147,894$145,080$126,393
Loans Receivable, Net94,99786,60277,877
Mortgage-Backed Securities003,199
Investments19,92619,6958,156
Deposits130,411128,189110,309
Borrowings3,6003,6003,800
Equity13,36212,85511,895
Net Interest Income1,2964,8314,236
Fee Income5962,0271,682
Overhead1,4585,3575,053
Net Operating Income4781,734717
Net Income4781,734717
Ratio Analysis Profitability%%%
Return on Assets *1.361.300.61
Operating Return on Assets *1.361.300.61
Return on Equity *14.7213.976.30
Net Interest Margin *4.094.104.25
Fee Income / Assets *1.571.521.43
Overhead / Assets *4.014.024.31
Efficiency Ratio74.1675.4184.22
Asset Quality%%%
Nonperforming Assets / Assets3.532.974.13
Nonperforming Assets / Equity & Loss Reserves35.5530.5339.27
Loss Reserves / Nonperforming Loans78.13161.51146.77
1-4 Fam Mtg + MBS / Assets19.3219.8520.67
Commercial Real Estate Loans / Assets19.6018.8319.65
Construction Loans / Assets16.1612.6617.69
Commercial & Industrial Loans / Assets7.665.586.06
Consumer Loans / Assets0.520.470.66
Capitalization%%%
Equity / Assets9.038.869.41
Tangible Capital / Tangible Assets9.038.869.41
Risk-based Capital Ratio13.4214.5115.62
Liquidity%%%
Loans / Deposits72.8467.5670.60
Non-Interest Bearing Deposits / Deposits23.3725.1119.16
Purchased Liabilities3.303.364.39

* Calculations are based on the latest four quarters of income and expense.
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