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Integra Bank National Association

Evansville, IN · Cert 4392

FDIC

Q2 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Integra Bank National Association

Evansville, IN · Cert 4392

FDIC

Q2 2011

$2.0BAssets
$1.2BLoans
$1.7BDeposits
$20.9MEquity
Loan mix
76%RE $654.4M17%C&I $151.1M7%Consumer $58.7MQ2 2010Q2 2011
Deposit mix
88%Interest-bearing $1.5B12%Noninterest $0.2BQ2 2010Q2 2011

NIM

3.70%Q2 ’093.38%Q2 ’103.29%Q2 ’11-2%-7%

Non-interest income vs. expense

3.29%Q2 ’092.96%Q2 ’104.44%Q2 ’11-24%+116%

Executive Summary

  • Earnings: ROA of -6.20%, down 209 bps year over year; NIM at 1.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.14%.
  • Funding: loans stand at 68.47% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-6.20%-209 bps YoY

Net Interest Margin (YTD, annualized)

1.87%-14 bps YoY

Efficiency Ratio (YTD, annualized)

154.84%+6,852 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-4.11%-3.53%-4.19%-7.84%-6.20%-209 bps
Return on Equity-73.95%-64.89%-82.20%-288%-280%-20,581 bps
Net Interest Margin2.01%1.97%2.06%1.72%1.87%-14 bps
Efficiency Ratio86.32%77.28%87.34%155.56%154.84%+6,852 bps
Non-Interest Burden1.61%1.04%1.57%3.23%3.47%+186 bps
Growth
Asset Growth (YoY)-11.12%-19.39%-17.23%-25.23%-32.71%-2,159 bps
Loan Growth (YoY)-22.96%-34.97%-36.05%-36.28%-36.22%-1,327 bps
Deposit Growth (YoY)-0.82%-13.16%-15.98%-23.61%-31.56%-3,074 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.67%7.16%8.46%6.19%9.14%+347 bps
Allowance / Loans5.87%6.54%7.09%8.76%8.33%+246 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital8.49%9.34%7.32%4.38%2.82%-567 bps
Equity / Assets4.86%5.01%3.50%1.86%1.05%-381 bps
Liquidity & Funding
Loans / Deposits73.48%67.81%67.85%69.41%68.47%-501 bps
Liquid Assets / Assets20.11%19.40%18.75%14.11%13.19%-692 bps
CRE / Total Capitaln/an/an/an/an/an/an/a