SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of December 31, 2013
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$126,393$114,291$109,157
Loans Receivable, Net77,87770,00371,448
Mortgage-Backed Securities3,1998,4508,316
Investments8,1561,7323,839
Deposits110,30998,87793,272
Borrowings3,8003,9005,000
Equity11,89511,14610,584
Net Interest Income4,2364,0383,748
Fee Income1,6829288
Overhead5,0534,6274,036
Net Operating Income717509302
Net Income717509302
Ratio Analysis Profitability%%%
Return on Assets *0.610.460.28
Operating Return on Assets *0.610.460.28
Return on Equity *6.304.662.90
Net Interest Margin *4.254.414.16
Fee Income / Assets *1.430.080.08
Overhead / Assets *4.314.213.81
Efficiency Ratio84.2284.2383.03
Asset Quality%%%
Nonperforming Assets / Assets4.136.448.00
Nonperforming Assets / Equity & Loss Reserves39.2759.3073.35
Loss Reserves / Nonperforming Loans146.7759.441.86
1-4 Fam Mtg + MBS / Assets20.6727.8228.29
Commercial Real Estate Loans / Assets19.6520.7018.56
Construction Loans / Assets17.6914.9519.43
Commercial & Industrial Loans / Assets6.064.826.71
Consumer Loans / Assets0.660.911.15
Capitalization%%%
Equity / Assets9.419.759.70
Tangible Capital / Tangible Assets9.419.759.70
Risk-based Capital Ratio15.6216.0015.28
Liquidity%%%
Loans / Deposits70.6070.8076.60
Non-Interest Bearing Deposits / Deposits19.1619.2815.94
Purchased Liabilities4.395.5113.10

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