Integrity Bank & Trust in Monument, Colorado (CO)

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Integrity Bank & Trust routing number info

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Integrity Bank & Trust
GeneralFDIC Certificate #: 57587
Status: Active
Federal Reserve ID: 3160978
Bank Holding Company (Regulatory Top Holder): Gemini Bancshares, Inc. (RSSDID: 3184853, Location: Monument, CO)
Date Established: August 11, 2003
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 366145
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 11, 2003
Last Structure Change Effective Date: March 19, 2012
Last Structure Change Process Date: March 30, 2012
Last Data Update: March 30, 2012
Data Source Date: April 05, 2012
LocationAddress: 1275 Village Ridge Point, Monument, CO 80132
County: El Paso
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Denver
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Colorado Springs, CO (#1720)
Core Based Statistical Area (CBSA): Colorado Springs, CO (#17820)
CBSA Metro Statistical Area: Colorado Springs, CO (#17820)
History of ChangesChange in Location
Financial SummaryTotal assets: $109.2 mil
Equity capital: $10.6 mil
Deposits held in domestic offices: $93.3 mil
Return on assets (ROA): 0.28% ($0.3 mil)
Quarterly return on assets: 0.01% ($0.0 mil)
Return on Equity (ROE): 2.91% ($0.3 mil)
Quarterly return on equity: 0.11% ($0.0 mil)
Net income: $0.3 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.28% ($305.6 mil)
Quarterly Pretax return on assets: 0.01% ($10.9 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)
Total employees (full-time equivalent)32
Total assets$109,157
Cash and due from depository institutions$14,626
Interest-bearing balances$5,849
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$71,448
Loan loss allowance $1,326
Trading account assets$0
Bank premises and fixed assets$4,491
Other real estate owned$4,835
Goodwill and other intangibles$0
All other assets$1,602
Life insurance assets$109,157
Total liabilities and capital$98,573
Total liabilities$93,272
Total deposits$78,403
Interest-bearing deposits$93,272
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $301
All other liabilities $10,584
Total equity capital$10,584
Total bank equity capital$10,584
Perpetual preferred stock$0
Common stock$40
Undivided profits $662
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,987
Earning assets $103
Long-term assets (5+ years) $246
Average Assets, year-to-date $89,452
Average Assets, quarterly $3,619
Volatile liabilities $105,981
Insider loans $107,654
FHLB advances $74,217
Loans and leases held for sale $106,112
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,407
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $12,704
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,663
Total interest expense $915
Net interest income $3,748
Provision for loan and lease losses $610
Total noninterest income $1,113
Fiduciary activities $806
Service charges on deposit accounts $88
Trading account gains & fees $0
Additional noninterest income $219
Total noninterest expense $4,036
Salaries and employee benefits $2,067
Premises and equipment expense $335
Additional noninterest expense $1,634
Pre-tax net operating income $215
Securities gains (losses) $87
Applicable income taxes $0
Income before extraordinary items $302
Extraordinary gains - net $0
Net income attributable to bank $302
Net charge-offs $0
Cash dividends $302
Sale, conversion, retirement of capital stock, net $507
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.13%
Cost of funding earning assets 1.01%
Net interest margin 4.12%
Noninterest income to earning assets 1.22%
Noninterest expense to earning assets 4.44%
Net operating income to assets 0.20%
Return on assets (ROA) 0.28%
Pretax return on assets 0.28%
Return on equity (ROE) 2.91%
Retained earnings to average equity (YTD only) 2.91%
Net charge-offs to loans 0.68%
Credit loss provision to net charge-offs 120.32%
Efficiency ratio1.63%
Assets per employee$83,028
Cash dividends to net income (YTD only)3.41%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.82%
Noncurrent assets plus other real estate owned to assets 33.26%
Noncurrent loans to loans 8.08%
Net loans and leases to deposits5.48%
Net loans and leases to core deposits 76.60%
Equity capital to assets 88.63%
Core capital (leverage) ratio 9.70%
Tier 1 risk-based capital ratio 9.81%
Total risk-based capital ratio 14.02%
Average assets$15
Average earning assets$105,981
Average equity $10,364
Average loans $90,868
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$115,905
Number of Accounts1
Personal trust and agency accounts$114,311
Employee benefit-defined contribution accounts$15,345
Employee benefit-defined benefit accounts$2,076
Other retirement accounts$0
Corporate trust and agency accounts$34,613
Investment management agency accounts$0
Other fiduciary accounts$55,643
Fiduciary accounts held in foreign offices$5,881
Non-managed Assets$753
Number of Accounts1001
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$34,613
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,594
Corporate trust and agency accounts$0
Other fiduciary accounts$49
Fiduciary accounts held in foreign offices$126
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3 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0366145Integrity Bank & Trust1275 Village Ridge Point, Monument, CO 80132August 11, 2003Full Service Brick and Mortar
1440408Powers Center Point Branch5550 Powers Center Point, Colorado Springs, CO 80920April 25, 2005Full Service Brick and Mortar
2469348Voyager Parkway Branch13475 Voyager Parkway, Colorado Springs, CO 80921October 15, 2007Full Service Brick and Mortar
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