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Integrity Bank, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 7,532 |
| Cost of funding earning assets | 3.2611% | 226 |
| Net interest margin | 1.3406% | 8,051 |
| Noninterest income to average assets | -1.8572% | 8,175 |
| Noninterest expense to average assets | 2.9457% | 4,310 |
| Loan and lease loss provision to assets | 15.2309% | 9 |
| Net operating income to assets | -18.8063% | 8,170 |
| Return on assets (ROA) | -18.3675% | 8,169 |
| Pretax return on assets | -18.3675% | 8,167 |
| Return on Equity (ROE) | -449.6003% | 8,177 |
| Retained earnings to average equity (ytd only) | -449.6003% | 8,177 |
| Net charge-offs to loans | 25.8202% | 7 |
| Credit loss provision to net charge-offs | 86.3887% | 5,017 |
| Earnings coverage of net charge-offs (x) | -0.2028% | 5,888 |
| Efficiency ratio | -467.8191% | 8,190 |
| Assets per employee ($millions) | 7.0199% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 2,240 |
| Loan loss allowance to noncurrent loans | 10.7258% | 7,481 |
| Noncurrent assets plus other real estate owned to assets | 11.4741% | 209 |
| Noncurrent loans to loans | 16.1429% | 109 |
| Net loans and leases to total assets | 66.1883% | 4,532 |
| Net loans and leases to deposits | 70.7484% | 5,903 |
| Net loans and leases to core deposits | 91.0974% | 5,436 |
| Total domestic deposits to total assets | 93.5545% | 75 |
| Equity capital to assets | -1.0950% | 8,181 |
| Core capital (leverage) ratio | -1.2591% | 8,184 |
| Tier 1 risk-based capital ratio | -1.7918% | 8,184 |
| Total risk-based capital ratio | -1.7918% | 8,183 |
| Memoranda: | ||
| Average total assets | $119,428,330 | 4,652 |
| Average earning assets | $109,350,330 | 4,642 |
| Average equity | $4,879,000 | 7,107 |
| Average total loans | $81,548,670 | 4,540 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 7,431 |
| Cost of funding earning assets | 3.3055% | 267 |
| Net interest margin | 1.4470% | 8,073 |
| Noninterest income to average assets | -3.5701% | 8,238 |
| Noninterest expense to average assets | 2.5551% | 5,629 |
| Loan and lease loss provision to assets | 9.3760% | 51 |
| Net operating income to assets | -14.1667% | 8,203 |
| Return on assets (ROA) | -13.6197% | 8,192 |
| Pretax return on assets | -13.6197% | 8,189 |
| Return on Equity (ROE) | -218.2141% | 8,203 |
| Retained earnings to average equity (ytd only) | -218.2141% | 8,202 |
| Net charge-offs to loans | 19.1477% | 19 |
| Credit loss provision to net charge-offs | 71.3083% | 4,334 |
| Earnings coverage of net charge-offs (x) | -0.3644% | 5,209 |
| Efficiency ratio | -114.2857% | 8,230 |
| Assets per employee ($millions) | 7.7212% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 2,003 |
| Loan loss allowance to noncurrent loans | 10.1987% | 7,509 |
| Noncurrent assets plus other real estate owned to assets | 12.1638% | 137 |
| Noncurrent loans to loans | 17.0918% | 66 |
| Net loans and leases to total assets | 66.9813% | 4,347 |
| Net loans and leases to deposits | 75.8926% | 5,240 |
| Net loans and leases to core deposits | 99.1885% | 4,621 |
| Total domestic deposits to total assets | 88.2580% | 1,607 |
| Equity capital to assets | 4.6075% | 8,137 |
| Core capital (leverage) ratio | 4.0296% | 8,168 |
| Tier 1 risk-based capital ratio | 5.3626% | 8,163 |
| Total risk-based capital ratio | 6.6155% | 8,164 |
| Memoranda: | ||
| Average total assets | $126,493,500 | 4,483 |
| Average earning assets | $116,653,000 | 4,467 |
| Average equity | $7,895,000 | 6,096 |
| Average total loans | $86,861,500 | 4,398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 7,681 |
| Cost of funding earning assets | 3.5726% | 425 |
| Net interest margin | 1.6379% | 8,164 |
| Noninterest income to average assets | 0.0733% | 7,773 |
| Noninterest expense to average assets | 2.6068% | 5,626 |
| Loan and lease loss provision to assets | 2.1712% | 533 |
| Net operating income to assets | -3.9143% | 7,973 |
| Return on assets (ROA) | -3.8402% | 7,940 |
| Pretax return on assets | -3.1149% | 7,736 |
| Return on Equity (ROE) | -38.7187% | 8,065 |
| Retained earnings to average equity (ytd only) | -38.7187% | 8,032 |
| Net charge-offs to loans | 2.6998% | 347 |
| Credit loss provision to net charge-offs | 112.3113% | 4,798 |
| Earnings coverage of net charge-offs (x) | -0.5265% | 6,492 |
| Efficiency ratio | 164.0603% | 300 |
| Assets per employee ($millions) | 7.1916% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9730% | 445 |
| Loan loss allowance to noncurrent loans | 12.1026% | 7,471 |
| Noncurrent assets plus other real estate owned to assets | 19.1374% | 30 |
| Noncurrent loans to loans | 24.5646% | 21 |
| Net loans and leases to total assets | 67.0895% | 4,622 |
| Net loans and leases to deposits | 80.5263% | 4,954 |
| Net loans and leases to core deposits | 107.7347% | 3,994 |
| Total domestic deposits to total assets | 83.3138% | 3,649 |
| Equity capital to assets | 7.8008% | 7,092 |
| Core capital (leverage) ratio | 7.0678% | 7,644 |
| Tier 1 risk-based capital ratio | 9.0394% | 7,753 |
| Total risk-based capital ratio | 10.3050% | 7,722 |
| Memoranda: | ||
| Average total assets | $133,613,800 | 4,211 |
| Average earning assets | $123,635,200 | 4,183 |
| Average equity | $13,252,000 | 4,508 |
| Average total loans | $95,674,400 | 4,066 |