SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$126,015$126,393$114,291
Loans Receivable, Net82,48677,87770,003
Mortgage-Backed Securities2,8423,1998,450
Investments10,9578,1561,732
Deposits109,449110,30998,877
Borrowings3,8003,8003,900
Equity12,22911,89511,146
Net Interest Income1,1074,2364,038
Fee Income4621,68292
Overhead1,2845,0534,627
Net Operating Income344717509
Net Income344717509
Ratio Analysis Profitability%%%
Return on Assets *0.840.610.46
Operating Return on Assets *0.840.610.46
Return on Equity *8.706.304.66
Net Interest Margin *4.224.254.41
Fee Income / Assets *1.481.430.08
Overhead / Assets *4.194.314.21
Efficiency Ratio79.3184.2284.23
Asset Quality%%%
Nonperforming Assets / Assets4.184.136.44
Nonperforming Assets / Equity & Loss Reserves38.7239.2759.30
Loss Reserves / Nonperforming Loans237.97146.7759.44
1-4 Fam Mtg + MBS / Assets22.6920.6727.82
Commercial Real Estate Loans / Assets19.5519.6520.70
Construction Loans / Assets18.5017.6914.95
Commercial & Industrial Loans / Assets4.896.064.82
Consumer Loans / Assets0.620.660.91
Capitalization%%%
Equity / Assets9.709.419.75
Tangible Capital / Tangible Assets9.709.419.75
Risk-based Capital Ratio14.9315.6216.00
Liquidity%%%
Loans / Deposits75.3670.6070.80
Non-Interest Bearing Deposits / Deposits19.2719.1619.28
Purchased Liabilities4.404.395.51

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