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SAFE & SOUND® STAR RATINGS

INTEGRITY BANK & TRUST

1275 VILLAGE RIDGE POINT
MONUMENT, Colorado 80132

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$151,825$145,080$126,393
Loans Receivable, Net107,97586,60277,877
Mortgage-Backed Securities003,199
Investments17,84219,6958,156
Deposits126,382128,189110,309
Borrowings11,3503,6003,800
Equity13,48712,85511,895
Net Interest Income4,2564,8314,236
Fee Income1,9982,0271,682
Overhead4,7525,3575,053
Net Operating Income1,4871,734717
Net Income1,4871,734717
Ratio Analysis Profitability%%%
Return on Assets *1.331.300.61
Operating Return on Assets *1.331.300.61
Return on Equity *14.6913.976.30
Net Interest Margin *4.254.104.25
Fee Income / Assets *1.741.521.43
Overhead / Assets *4.204.024.31
Efficiency Ratio73.4875.4184.22
Asset Quality%%%
Nonperforming Assets / Assets2.992.974.13
Nonperforming Assets / Equity & Loss Reserves30.8030.5339.27
Loss Reserves / Nonperforming Loans107.93161.51146.77
1-4 Fam Mtg + MBS / Assets21.1319.8520.67
Commercial Real Estate Loans / Assets22.3918.8319.65
Construction Loans / Assets19.1312.6617.69
Commercial & Industrial Loans / Assets6.885.586.06
Consumer Loans / Assets0.600.470.66
Capitalization%%%
Equity / Assets8.888.869.41
Tangible Capital / Tangible Assets8.888.869.41
Risk-based Capital Ratio12.1514.5115.62
Liquidity%%%
Loans / Deposits85.4467.5670.60
Non-Interest Bearing Deposits / Deposits22.9125.1119.16
Purchased Liabilities8.323.364.39

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