Integrity First Bank

Integrity First Bank is headquartered in Wausau and is the 186^th largest bank in the state of Wisconsin. It is also the 5,032^nd largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 18 employees at 1 location. Integrity First Bank has a 3-star health rating.

Integrity First Bank Routing Number: 075918033

Data for Q1 2012

Institution Statistics Integrity First Bank FDIC Certificate # 58091 BankRate Report View Year Established 2005 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $97.24 million Loans $65.04 million Deposits $80.26 million Equity Capital $7.79 million Loan Loss Allowance $2.72 million Unbacked Noncurrent Loans $1.70 million Real Estate Owned $980,000 Historic Data - March 2011 Assets $103.08 million Equity Capital $6.61 million Loan Loss Allowance $3.43 million Unbacked Noncurrent Loans $2.84 million Real Estate Owned $816,000 Profit Margin - Quarterly Net Interest Margin 3.26% Return on Assets 0.18% Return on Equity 2.54% Interest Income $1.15 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 March 31, 2012 Integrity First Bank had $2.68 million in non-current loans and owned real-estate with $10.5 million in equity and loan loss allowances on hand to cover it. This gives Integrity First Bank a Texas Ratio of 25.52% 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 First Bank decreased slightly from 36.44% as of March 31, 2011 to 25.52% as of March 31, 2012, resulting in a positive change of 29.97%.This indicates that the balance sheet and financial strength for Integrity First Bank has improved slightly in recent periods. Deposit Growth In the past year, Integrity First Bank has decreased its total deposits by -$6.53 million, resulting in -7.52% 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 First Bank has shown is poor. 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 First Bank has $97.24 million in assets with $10.5 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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