FDIC Certificate #: 58631 Status: Active Federal Reserve ID: 3614930 Date Established: November 19, 2007 WWW:http://www.ibanktx.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 460075 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 19, 2007 Last Structure Change Effective Date: December 11, 2007 Last Structure Change Process Date: December 11, 2007 Last Data Update: December 11, 2007 Data Source Date: April 05, 2012
Location
Address: 4040 Washington Avenue, Houston, TX 77007 County: Harris Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Houston, TX (#3360) Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42) Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288) Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420) CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $310.9 mil Equity capital: $30.0 mil Deposits held in domestic offices: $279.8 mil Return on assets (ROA): 0.56% ($1.7 mil) Quarterly return on assets: 0.23% ($0.7 mil) Return on Equity (ROE): 4.98% ($1.5 mil) Quarterly return on equity: 2.31% ($0.7 mil) Net income: $1.5 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.45% ($1,399.0 mil) Quarterly Pretax return on assets: -0.15% (-$466.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
40Total employees (full-time equivalent)
$310,881Total assets
$68,991Cash and due from depository institutions
$51,356Interest-bearing balances
$40,106Securities
$1,340Federal funds sold & reverse repurchase agreements
$196,076Net loans & leases
$2,163Loan loss allowance
$0Trading account assets
$1,704Bank premises and fixed assets
$280Other real estate owned
$336Goodwill and other intangibles
$310,881Life insurance assets
$2,048All other assets
$280,879Total liabilities and capital
$279,806Total liabilities
$188,080Total deposits
$279,806Interest-bearing deposits
$74Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,073Subordinated debt
$30,002All other liabilities
$30,002Total equity capital
$30,002Total bank equity capital
$0Perpetual preferred stock
$24,220Common stock
$6,873Surplus
$-1,091Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$829Income earned, not collected on loans
$180Earning assets
$882Long-term assets (5+ years)
$288,878Average Assets, year-to-date
$51,342Average Assets, quarterly
$257,571Volatile liabilities
$307,296Insider loans
$179,278FHLB advances
$312,210Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$29,760Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$41,527Restructured Loans and leases
$4,314Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$10,954Total interest income
$2,459Total interest expense
$8,495Net interest income
$1,132Provision for loan and lease losses
$1,651Total noninterest income
$0Fiduciary activities
$248Service charges on deposit accounts
$0Trading account gains & fees
$1,403Additional noninterest income
$7,898Total noninterest expense
$4,219Salaries and employee benefits
$1,004Premises and equipment expense
$2,675Additional noninterest expense
$1,116Pre-tax net operating income
$38Securities gains (losses)
-$301Applicable income taxes
$1,455Income before extraordinary items
$0Extraordinary gains - net
$1,455Net income attributable to bank
$0Net charge-offs
$1,455Cash dividends
$803Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.56%Yield on earning assets
1.02%Cost of funding earning assets
3.54%Net interest margin
0.69%Noninterest income to earning assets
3.29%Noninterest expense to earning assets
0.55%Net operating income to assets
0.56%Return on assets (ROA)
0.45%Pretax return on assets
4.98%Return on equity (ROE)
4.98%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
140.97%Credit loss provision to net charge-offs
2.80%Efficiency ratio
77,843Assets per employee
7.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
260.92%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
0.42%Net loans and leases to deposits
70.08%Net loans and leases to core deposits
72.18%Equity capital to assets
9.65%Core capital (leverage) ratio
9.53%Tier 1 risk-based capital ratio
16.60%Total risk-based capital ratio
Memoranda
$18Average assets
$257,571Average earning assets
$29,197Average equity
$240,124Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
460075
Integrity Bank, Ssb
4040 Washington Avenue, Houston, TX 77007
November 19, 2007
Full Service Brick and Mortar
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