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Integrity Bank, SSB

Houston, TX · Cert 58631

FDIC · 4 branches

Q1 2018

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 2018, the quarter ended March 31, 2018, 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, SSB

Houston, TX · Cert 58631

FDIC · 4 branches

Q1 2018

$761.5MAssets
$683.1MLoans
$601.5MDeposits
$85.2MEquity
Loan mix
71%RE $343.3M28%C&I $135.8M1%Consumer $6.8MQ1 2017Q1 2018
Deposit mix
55%Interest-bearing $331.3M45%Noninterest $270.2MQ1 2017Q1 2018

NIM

4.41%Q1 ’164.53%Q1 ’174.97%Q1 ’18+3%+11%

Non-interest income vs. expense

2.38%Q1 ’162.38%Q1 ’172.32%Q1 ’18-5%+5%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2017 SOD (annual) · 0.3% share · #29 of 97 inst. · $0.6B of $240.9B

0.3% Harris
0.4% Montgomery
0.2% Fort Bend

Executive Summary

  • Earnings: ROA of 1.39%, up 18 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.98% of loans (+82 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.11%, up 51 bps from a year ago.
  • Funding: loans stand at 113.56% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

1.39%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+42 bps YoY

Efficiency Ratio (YTD, annualized)

51.11%-453 bps YoY

Tier 1 Leverage Ratio

11.11%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets1.21%1.21%1.26%1.08%1.39%+18 bps
Return on Equity11.79%11.82%12.27%10.42%12.57%+78 bps
Net Interest Margin3.95%3.95%3.91%3.90%4.37%+42 bps
Efficiency Ratio55.64%54.19%53.06%55.26%51.11%-453 bps
Non-Interest Burden2.05%2.02%1.97%2.06%2.15%+10 bps
Growth
Asset Growth (YoY)17.16%9.53%10.80%7.87%-0.29%-1,745 bps
Loan Growth (YoY)13.51%18.88%10.66%9.82%13.88%+36 bps
Deposit Growth (YoY)10.88%7.35%13.15%9.33%-6.35%-1,723 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.51%0.26%0.43%0.98%+82 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.01%0.00%-2 bps
Allowance / Loans1.23%1.15%1.19%1.21%1.30%+8 bps
Allowance Coverage of NPLs7.7x2.3x4.7x2.8x1.3x-6.4x
Capital
Tier 1 Leverage Ratio10.60%10.44%10.30%10.19%11.11%+51 bps
Total Risk-Based Capital13.41%12.82%13.11%13.45%13.55%+14 bps
Equity / Assets10.03%10.25%10.17%10.90%11.19%+116 bps
Liquidity & Funding
Loans / Deposits93.39%101.96%97.08%103.36%113.56%+2,018 bps
Liquid Assets / Assets14.68%8.39%11.35%7.30%4.39%-1,029 bps
CRE / Total Capitaln/an/an/an/an/an/an/a