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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, 2014
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$145,080$126,393$114,291
Loans Receivable, Net86,60277,87770,003
Mortgage-Backed Securities03,1998,450
Investments19,6958,1561,732
Deposits128,189110,30998,877
Borrowings3,6003,8003,900
Equity12,85511,89511,146
Net Interest Income4,8314,2364,038
Fee Income2,0271,68292
Overhead5,3575,0534,627
Net Operating Income1,734717509
Net Income1,734717509
Ratio Analysis Profitability%%%
Return on Assets *1.300.610.46
Operating Return on Assets *1.300.610.46
Return on Equity *13.976.304.66
Net Interest Margin *4.104.254.41
Fee Income / Assets *1.521.430.08
Overhead / Assets *4.024.314.21
Efficiency Ratio75.4184.2284.23
Asset Quality%%%
Nonperforming Assets / Assets2.974.136.44
Nonperforming Assets / Equity & Loss Reserves30.5339.2759.30
Loss Reserves / Nonperforming Loans161.51146.7759.44
1-4 Fam Mtg + MBS / Assets19.8520.6727.82
Commercial Real Estate Loans / Assets18.8319.6520.70
Construction Loans / Assets12.6617.6914.95
Commercial & Industrial Loans / Assets5.586.064.82
Consumer Loans / Assets0.470.660.91
Capitalization%%%
Equity / Assets8.869.419.75
Tangible Capital / Tangible Assets8.869.419.75
Risk-based Capital Ratio14.5115.6216.00
Liquidity%%%
Loans / Deposits67.5670.6070.80
Non-Interest Bearing Deposits / Deposits25.1119.1619.28
Purchased Liabilities3.364.395.51

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