Integrity Bank (PA)

Integrity Bank (PA) is headquartered in Camp Hill and is the 59^th largest bank in the state of Pennsylvania. It is also the 1,067^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 99 employees at 7 locations. Integrity Bank (PA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Integrity Bank FDIC Certificate # 57557 BankRate Report View Year Established 2003 Employees 99 Primary Regulator FDIC Assets and Liabilities Assets $624.66 million Loans $522.59 million Deposits $559.47 million Equity Capital $39.71 million Loan Loss Allowance $7.40 million Unbacked Noncurrent Loans $3.24 million Real Estate Owned $5.99 million Historic Data - March 2011 Assets $547.54 million Equity Capital $27.27 million Loan Loss Allowance $6.16 million Unbacked Noncurrent Loans $5.49 million Real Estate Owned $9.01 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.98% Return on Equity 16.96% Interest Income $6.89 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Integrity Bank (PA) had $9.23 million in non-current loans and owned real-estate with $47.11 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank (PA) a Texas Ratio of 19.59% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Integrity Bank (PA) decreased significantly from 43.37% as of March 31, 2011 to 19.59% as of March 31, 2012, resulting in a positive change of 54.83%.This indicates that the balance sheet and financial strength for Integrity Bank (PA) has improved significantly in recent periods. Deposit Growth In the past year, Integrity Bank (PA) has increased its total deposits by $72.25 million, resulting in 14.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Integrity Bank (PA) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Integrity Bank (PA) has $624.66 million in assets with $47.11 million in equity, resulting in a capitalization level of 7.54%, which is below average.

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