Integrity Bank & Trust in Monument, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Integrity Bank & Trust - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 32Total employees (full-time equivalent)
  • $109,157Total assets
  • $14,626Cash and due from depository institutions
  • $5,849Interest-bearing balances
  • $12,155Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,448Net loans & leases
  • $1,326Loan loss allowance
  • $0Trading account assets
  • $4,491Bank premises and fixed assets
  • $4,835Other real estate owned
  • $0Goodwill and other intangibles
  • $109,157Life insurance assets
  • $1,602All other assets
  • $98,573Total liabilities and capital
  • $93,272Total liabilities
  • $78,403Total deposits
  • $93,272Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $301Subordinated debt
  • $10,584All other liabilities
  • $10,584Total equity capital
  • $10,584Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $9,882Surplus
  • $662Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,987Income earned, not collected on loans
  • $103Earning assets
  • $246Long-term assets (5+ years)
  • $89,452Average Assets, year-to-date
  • $3,619Average Assets, quarterly
  • $105,981Volatile liabilities
  • $107,654Insider loans
  • $74,217FHLB advances
  • $106,112Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,407Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,704Restructured Loans and leases
  • $2,228Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,663Total interest income
  • $915Total interest expense
  • $3,748Net interest income
  • $610Provision for loan and lease losses
  • $1,113Total noninterest income
  • $806Fiduciary activities
  • $88Service charges on deposit accounts
  • $0Trading account gains & fees
  • $219Additional noninterest income
  • $4,036Total noninterest expense
  • $2,067Salaries and employee benefits
  • $335Premises and equipment expense
  • $1,634Additional noninterest expense
  • $215Pre-tax net operating income
  • $87Securities gains (losses)
  • $0Applicable income taxes
  • $302Income before extraordinary items
  • $0Extraordinary gains - net
  • $302Net income attributable to bank
  • $0Net charge-offs
  • $302Cash dividends
  • $507Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.12%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 4.44%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 2.91%Return on equity (ROE)
  • 2.91%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 120.32%Credit loss provision to net charge-offs
  • 1.63%Efficiency ratio
  • 83,028Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 33.26%Noncurrent assets plus other real estate owned to assets
  • 8.08%Noncurrent loans to loans
  • 5.48%Net loans and leases to deposits
  • 76.60%Net loans and leases to core deposits
  • 88.63%Equity capital to assets
  • 9.70%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 14.02%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $105,981Average earning assets
  • $10,364Average equity
  • $90,868Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $115,905Managed Assets
  • 1Number of Accounts
  • $114,311Personal trust and agency accounts
  • $15,345Employee benefit-defined contribution accounts
  • $2,076Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $34,613Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $55,643Other fiduciary accounts
  • $5,881Fiduciary accounts held in foreign offices
  • $753Non-managed Assets
  • 1001Number of Accounts
  • $0Personal trust and agency accounts
  • $34,613Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,594Other retirement accounts
  • $0Corporate trust and agency accounts
  • $49Other fiduciary accounts
  • $126Fiduciary accounts held in foreign offices

List of branches

  • 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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