Integrity Bank in Camp Hill, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Integrity Bank in Camp Hill, Pennsylvania (PA)
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Integrity Bank - Overview

  • General
  • FDIC Certificate #: 57557
    Status: Active
    Federal Reserve ID: 3188646
    Bank Holding Company (Regulatory Top Holder): Integrity Bancshares, Inc. (RSSDID: 3734753, Location: Camp Hill, PA)
    Date Established: June 05, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 365534
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: June 05, 2003
    Last Structure Change Effective Date: July 10, 2008
    Last Structure Change Process Date: March 16, 2009
    Last Data Update: March 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 3345 Market Street, Camp Hill, PA 17011
    County: Cumberland
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Harrisburg-Carlisle, PA (#25420)
    CBSA Metro Statistical Area: Harrisburg-Carlisle, PA (#25420)
  • History of Changes
  • Participated in Reorganization
  • Financial Summary
  • Total assets: $583.4 mil
    Equity capital: $30.4 mil
    Deposits held in domestic offices: $520.1 mil
    Return on assets (ROA): 0.89% ($5.2 mil)
    Quarterly return on assets: 0.82% ($4.8 mil)
    Return on Equity (ROE): 17.80% ($5.3 mil)
    Quarterly return on equity: 15.83% ($4.7 mil)
    Net income: $5.0 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.31% ($7,642.3 mil)
    Quarterly Pretax return on assets: 1.12% ($6,533.9 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
  • 105Total employees (full-time equivalent)
  • $583,381Total assets
  • $30,160Cash and due from depository institutions
  • $22,042Interest-bearing balances
  • $8,780Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $512,756Net loans & leases
  • $7,259Loan loss allowance
  • $0Trading account assets
  • $8,207Bank premises and fixed assets
  • $6,880Other real estate owned
  • $0Goodwill and other intangibles
  • $583,381Life insurance assets
  • $16,598All other assets
  • $536,497Total liabilities and capital
  • $520,137Total liabilities
  • $426,612Total deposits
  • $520,137Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $5,000Other borrowed funds
  • $1,360Subordinated debt
  • $46,884All other liabilities
  • $30,384Total equity capital
  • $30,384Total bank equity capital
  • $0Perpetual preferred stock
  • $1,998Common stock
  • $25,337Surplus
  • $3,049Undivided profits
  • Memoranda
  • $16,500Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,588Income earned, not collected on loans
  • $0Earning assets
  • $1,540Long-term assets (5+ years)
  • $543,578Average Assets, year-to-date
  • $48,393Average Assets, quarterly
  • $565,081Volatile liabilities
  • $578,157Insider loans
  • $506,310FHLB advances
  • $575,529Loans and leases held for sale
  • $9,358Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $46,857Tier 2 risk-based capital
  • $9,358Total risk weighted assets
  • $0Total unused commitments
  • $105,789Restructured Loans and leases
  • $14,379Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,677Total interest income
  • $6,611Total interest expense
  • $20,066Net interest income
  • $2,800Provision for loan and lease losses
  • $2,374Total noninterest income
  • $0Fiduciary activities
  • $1,077Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,297Additional noninterest income
  • $12,262Total noninterest expense
  • $5,414Salaries and employee benefits
  • $2,475Premises and equipment expense
  • $4,373Additional noninterest expense
  • $7,378Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,340Applicable income taxes
  • $5,038Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,038Net income attributable to bank
  • $0Net charge-offs
  • $5,038Cash dividends
  • $1,556Sale, conversion, retirement of capital stock, net
  • $1,096Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 17.80%Return on equity (ROE)
  • 13.93%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 179.95%Credit loss provision to net charge-offs
  • 6.54%Efficiency ratio
  • 54,643Assets per employee
  • 5.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.75%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 280.49%Noncurrent assets plus other real estate owned to assets
  • 1.62%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 98.58%Net loans and leases to core deposits
  • 111.20%Equity capital to assets
  • 5.21%Core capital (leverage) ratio
  • 8.14%Tier 1 risk-based capital ratio
  • 9.25%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $565,081Average earning assets
  • $28,305Average equity
  • $525,403Average loans

List of branches

  • 7 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0365534Integrity Bank3345 Market Street, Camp Hill, PA 17011June 05, 2003Full Service Brick and Mortar
    1438860York Market Way Branch1 Market Way South, York, PA 17401Febuary 18, 2005Full Service Brick and Mortar
    2441496Bridge Street Branch440 Bridge Street, New Cumberland, PA 17070June 25, 2005Full Service Brick and Mortar
    4455356Allentown Boulevard Branch6085 Allentown Boulevard, Harrisburg, PA 17112August 30, 2006Full Service Brick and Mortar
    5455802Colonial Road Branch301 Colonial Road, Harrisburg, PA 17109September 12, 2006Full Service Brick and Mortar
    6513624Oregon Pike Branch1683 Oregon Pike, Lancaster, PA 17601October 09, 2010Full Service Brick and Mortar
    7513625Centerville Road Branch300 Centerville Road, Lancaster, PA 17601October 09, 2010Full Service Brick and Mortar

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