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Integrity Bank

Camp Hill, PA · Cert 57557

FDIC · 8 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

Integrity Bank

Camp Hill, PA · Cert 57557

FDIC · 8 branches

Q1 2015

$985.6MAssets
$795.7MLoans
$747.7MDeposits
$218.8MEquity
Loan mix
69%RE $408.8M25%C&I $147.7M6%Consumer $35.0MQ1 2014Q1 2015
Deposit mix
93%Interest-bearing $696.8M7%Noninterest $50.9MQ1 2014Q1 2015

NIM

4.28%Q1 ’134.01%Q1 ’141.08%Q1 ’15-4%-68%

Non-interest income vs. expense

2.23%Q1 ’131.78%Q1 ’140.92%Q1 ’15-9%-43%

Market Position · Harrisburg-Carlisle, PA · 2014 SOD (annual) · 4.2% share · #9 of 25 inst. · $0.5B of $12.3B

5.8% Cumberland
3.0% Dauphin
1.7% Lancaster
0.6% York

Executive Summary

  • Earnings: ROA of 0.12%, down 102 bps year over year; NIM at 1.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.74%.
  • Funding: loans stand at 106.42% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.12%-102 bps YoY

Net Interest Margin (YTD, annualized)

1.06%-229 bps YoY

Efficiency Ratio (YTD, annualized)

82.49%+3,503 bps YoY

Tier 1 Leverage Ratio

11.74%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets1.14%1.27%1.36%1.39%0.12%-102 bps
Return on Equity13.51%14.92%15.83%16.26%0.75%-1,276 bps
Net Interest Margin3.35%3.39%3.33%3.39%1.06%-229 bps
Efficiency Ratio47.46%46.32%44.96%44.47%82.49%+3,503 bps
Non-Interest Burden1.38%1.33%1.23%1.21%0.79%-59 bps
Growth
Asset Growth (YoY)19.49%14.98%18.10%10.80%26.01%+652 bps
Loan Growth (YoY)20.21%22.23%18.88%15.18%15.01%-520 bps
Deposit Growth (YoY)21.42%14.94%17.53%6.89%5.37%-1,605 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.10%0.08%0.05%0.00%-10 bps
Allowance / Loans1.33%1.27%1.24%1.25%0.00%-133 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a11.74%n/an/a
Total Risk-Based Capital11.71%11.40%11.88%11.08%12.01%+30 bps
Equity / Assets8.49%8.62%8.88%8.41%22.20%+1,371 bps
Liquidity & Funding
Loans / Deposits97.50%100.44%100.25%105.44%106.42%+893 bps
Liquid Assets / Assets4.40%1.42%4.53%1.68%0.22%-417 bps
CRE / Total Capitaln/an/an/an/an/an/an/a