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 June 30, 2014
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$132,860$126,393$114,291
Loans Receivable, Net84,84177,87770,003
Mortgage-Backed Securities2,6793,1998,450
Investments11,2868,1561,732
Deposits116,393110,30998,877
Borrowings3,8003,8003,900
Equity12,13911,89511,146
Net Interest Income2,3264,2364,038
Fee Income9691,68292
Overhead2,6195,0534,627
Net Operating Income828717509
Net Income828717509
Ratio Analysis Profitability%%%
Return on Assets *1.050.610.46
Operating Return on Assets *1.050.610.46
Return on Equity *10.996.304.66
Net Interest Margin *4.064.254.41
Fee Income / Assets *1.511.430.08
Overhead / Assets *4.124.314.21
Efficiency Ratio76.2084.2284.23
Asset Quality%%%
Nonperforming Assets / Assets3.664.136.44
Nonperforming Assets / Equity & Loss Reserves36.4239.2759.30
Loss Reserves / Nonperforming Loans155.15146.7759.44
1-4 Fam Mtg + MBS / Assets21.4820.6727.82
Commercial Real Estate Loans / Assets19.5219.6520.70
Construction Loans / Assets17.4117.6914.95
Commercial & Industrial Loans / Assets5.216.064.82
Consumer Loans / Assets0.500.660.91
Capitalization%%%
Equity / Assets9.149.419.75
Tangible Capital / Tangible Assets9.149.419.75
Risk-based Capital Ratio14.3515.6216.00
Liquidity%%%
Loans / Deposits72.8970.6070.80
Non-Interest Bearing Deposits / Deposits21.0219.1619.28
Purchased Liabilities4.184.395.51

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