Integrity Bank & Trust

Integrity Bank & Trust is headquartered in Monument and is the 65^th largest bank in the state of Colorado. It is also the 4,786^th largest bank in the nation. It was established in 2003 and as of September of 2011, it had grown to 34 employees at 3 locations. Integrity Bank & Trust has a 3-star health rating.

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Data for Q3 2011

Institution Statistics Integrity Bank & Trust FDIC Certificate # 57587 BankRate Report View Year Established 2003 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $106.15 million Loans $75.44 million Deposits $90.27 million Equity Capital $10.59 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $5.69 million Real Estate Owned $3.31 million Historic Data - September 2010 Assets $104.88 million Equity Capital $10.60 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $5.19 million Real Estate Owned $7.42 million Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 0.38% Return on Equity 3.87% Interest Income $3.51 million

Institution Health Overall Score: 3 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 September 30, 2011 Integrity Bank & Trust had $9 million in non-current loans and owned real-estate with $12.07 million in equity and loan loss allowances on hand to cover it. This gives Integrity Bank & Trust a Texas Ratio of 74.56% which is below 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 & Trust decreased slightly from 107.47% as of September 30, 2010 to 74.56% as of September 30, 2011, resulting in a positive change of 30.62%.This indicates that the balance sheet and financial strength for Integrity Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Integrity Bank & Trust has increased its total deposits by $1.82 million, resulting in 2.05% 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 & Trust has shown is above average. 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 & Trust has $106.15 million in assets with $12.07 million in equity, resulting in a capitalization level of 11.37%, which is above average.

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