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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 December 31, 2012
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$114,291$109,157$107,090
Loans Receivable, Net70,00371,44875,512
Mortgage-Backed Securities8,4508,3167,763
Investments1,7323,8393,674
Deposits98,87793,27291,135
Borrowings3,9005,0005,500
Equity11,14610,58410,106
Net Interest Income4,0383,7483,406
Fee Income928870
Overhead4,6274,0364,360
Net Operating Income509302-593
Net Income509302-593
Ratio Analysis Profitability%%%
Return on Assets *0.460.28-0.55
Operating Return on Assets *0.460.28-0.55
Return on Equity *4.662.90-5.69
Net Interest Margin *4.414.163.64
Fee Income / Assets *0.080.080.07
Overhead / Assets *4.213.814.08
Efficiency Ratio84.2383.0396.76
Asset Quality%%%
Nonperforming Assets / Assets6.448.008.17
Nonperforming Assets / Equity & Loss Reserves59.3073.3577.22
Loss Reserves / Nonperforming Loans59.441.861.62
1-4 Fam Mtg + MBS / Assets27.8228.2931.40
Commercial Real Estate Loans / Assets20.7018.5616.67
Construction Loans / Assets14.9519.4322.57
Commercial & Industrial Loans / Assets4.826.715.96
Consumer Loans / Assets0.911.151.13
Capitalization%%%
Equity / Assets9.759.709.44
Tangible Capital / Tangible Assets9.759.709.44
Risk-based Capital Ratio16.0015.2814.25
Liquidity%%%
Loans / Deposits70.8076.6082.86
Non-Interest Bearing Deposits / Deposits19.2815.9414.98
Purchased Liabilities5.5113.1019.88

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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