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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 March 31, 2016
Federal Reserve System Identifier 3160978




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$165,800$155,820$145,080
Loans Receivable, Net113,249107,61886,602
Mortgage-Backed Securities000
Investments16,32113,86719,695
Deposits148,826139,286128,189
Borrowings3,1003,1003,600
Equity13,32312,99112,855
Net Interest Income1,5765,7824,831
Fee Income222,4472,027
Overhead1,2266,2725,357
Net Operating Income4364,1231,734
Net Income4364,1231,734
Ratio Analysis Profitability%%%
Return on Assets *2.672.771.30
Operating Return on Assets *2.672.771.30
Return on Equity *30.8231.1213.97
Net Interest Margin *4.514.464.10
Fee Income / Assets *1.221.641.52
Overhead / Assets *3.954.224.02
Efficiency Ratio72.9858.8175.41
Asset Quality%%%
Nonperforming Assets / Assets2.632.862.97
Nonperforming Assets / Equity & Loss Reserves29.7731.2130.53
Loss Reserves / Nonperforming Loans576.65541.95161.51
1-4 Fam Mtg + MBS / Assets19.5719.0819.85
Commercial Real Estate Loans / Assets22.1922.5318.83
Construction Loans / Assets17.6118.5312.66
Commercial & Industrial Loans / Assets7.877.035.58
Consumer Loans / Assets0.660.610.47
Capitalization%%%
Equity / Assets8.048.348.86
Tangible Capital / Tangible Assets8.048.348.86
Risk-based Capital Ratio11.4811.7814.51
Liquidity%%%
Loans / Deposits76.0977.2667.56
Non-Interest Bearing Deposits / Deposits31.0425.0725.11
Purchased Liabilities2.442.813.36

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