SAFE & SOUND® STAR RATINGS

Financial statement

INTEGRITY BANK & TRUST
1275 VILLAGE RIDGE POINT
MONUMENT, Colorado 80132

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$138,071$126,393$114,291
Loans Receivable, Net85,76377,87770,003
Mortgage-Backed Securities2,4453,1998,450
Investments12,5418,1561,732
Deposits121,535110,30998,877
Borrowings3,6003,8003,900
Equity12,41511,89511,146
Net Interest Income3,5974,2364,038
Fee Income1,4761,68292
Overhead3,9575,0534,627
Net Operating Income1,279717509
Net Income1,279717509
Ratio Analysis Profitability%%%
Return on Assets *1.240.610.46
Operating Return on Assets *1.240.610.46
Return on Equity *13.046.304.66
Net Interest Margin *4.224.254.41
Fee Income / Assets *1.531.430.08
Overhead / Assets *4.134.314.21
Efficiency Ratio75.2984.2284.23
Asset Quality%%%
Nonperforming Assets / Assets3.474.136.44
Nonperforming Assets / Equity & Loss Reserves35.0139.2759.30
Loss Reserves / Nonperforming Loans153.18146.7759.44
1-4 Fam Mtg + MBS / Assets21.0520.6727.82
Commercial Real Estate Loans / Assets19.2619.6520.70
Construction Loans / Assets15.1817.6914.95
Commercial & Industrial Loans / Assets8.086.064.82
Consumer Loans / Assets0.660.660.91
Capitalization%%%
Equity / Assets8.999.419.75
Tangible Capital / Tangible Assets8.999.419.75
Risk-based Capital Ratio14.5115.6216.00
Liquidity%%%
Loans / Deposits70.5770.6070.80
Non-Interest Bearing Deposits / Deposits20.7019.1619.28
Purchased Liabilities3.834.395.51

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