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SAFE & SOUND® STAR RATINGS

INTEGRITY BANK & TRUST

1275 VILLAGE RIDGE POINT
MONUMENT, Colorado 80132

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$155,820$145,080$126,393
Loans Receivable, Net107,61886,60277,877
Mortgage-Backed Securities003,199
Investments13,86719,6958,156
Deposits139,286128,189110,309
Borrowings3,1003,6003,800
Equity12,99112,85511,895
Net Interest Income5,7824,8314,236
Fee Income2,4472,0271,682
Overhead6,2725,3575,053
Net Operating Income4,1231,734717
Net Income4,1231,734717
Ratio Analysis Profitability%%%
Return on Assets *2.771.300.61
Operating Return on Assets *2.771.300.61
Return on Equity *31.1213.976.30
Net Interest Margin *4.464.104.25
Fee Income / Assets *1.641.521.43
Overhead / Assets *4.224.024.31
Efficiency Ratio58.8175.4184.22
Asset Quality%%%
Nonperforming Assets / Assets2.862.974.13
Nonperforming Assets / Equity & Loss Reserves31.2130.5339.27
Loss Reserves / Nonperforming Loans541.95161.51146.77
1-4 Fam Mtg + MBS / Assets19.0819.8520.67
Commercial Real Estate Loans / Assets22.5318.8319.65
Construction Loans / Assets18.5312.6617.69
Commercial & Industrial Loans / Assets7.035.586.06
Consumer Loans / Assets0.610.470.66
Capitalization%%%
Equity / Assets8.348.869.41
Tangible Capital / Tangible Assets8.348.869.41
Risk-based Capital Ratio11.7814.5115.62
Liquidity%%%
Loans / Deposits77.2667.5670.60
Non-Interest Bearing Deposits / Deposits25.0725.1119.16
Purchased Liabilities2.813.364.39

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