PackageTrendsPeer
Letter portraitLegal landscape

Center Point Bank & Trust Co.

Center Point, IA · Cert 19293

FDIC · 1 branch

Q1 2020

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 2020, the quarter ended March 31, 2020, 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

Center Point Bank & Trust Co.

Center Point, IA · Cert 19293

FDIC · 1 branch

Q1 2020

$34.2MAssets
$19.8MLoans
$29.0MDeposits
$2.6MEquity
Loan mix
84%RE $13.9M10%C&I $1.6M7%Consumer $1.1MQ1 2019Q1 2020
Deposit mix
82%Interest-bearing $23.7M18%Noninterest $5.3MQ1 2019Q1 2020

NIM

3.78%Q1 ’184.01%Q1 ’193.79%Q1 ’20+5%-9%

Non-interest income vs. expense

2.60%Q1 ’182.62%Q1 ’192.54%Q1 ’20+2%-8%

Market Position · Cedar Rapids, IA · 2019 SOD (annual) · 0.5% share · #32 of 39 inst. · $0.0B of $6.3B

Executive Summary

  • Earnings: ROA of 0.90%, down 1 bps year over year; NIM at 3.09%.
  • 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 8.01%, up 10 bps from a year ago.
  • Funding: loans stand at 68.10% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

0.90%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-31 bps YoY

Efficiency Ratio (YTD, annualized)

72.28%+203 bps YoY

Tier 1 Leverage Ratio

8.01%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.91%0.90%0.86%0.88%0.90%-1 bps
Return on Equity11.83%11.32%10.55%10.76%11.11%-72 bps
Net Interest Margin3.40%3.34%3.30%3.20%3.09%-31 bps
Efficiency Ratio70.25%71.47%72.34%72.76%72.28%+203 bps
Non-Interest Burden2.29%2.28%2.28%2.22%2.11%-17 bps
Growth
Asset Growth (YoY)1.28%-0.41%-0.82%0.61%-2.44%-372 bps
Loan Growth (YoY)4.02%5.18%-0.21%-5.99%-2.56%-658 bps
Deposit Growth (YoY)-0.88%-6.27%-2.29%-2.67%-1.67%-79 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.45%0.47%0.00%0 bps
Net Charge-Offs / Loans0.41%0.20%0.14%0.11%0.00%-41 bps
Allowance / Loans1.27%1.30%1.32%1.36%1.31%+3 bps
Allowance Coverage of NPLsn/an/a2.9x2.9xn/an/a
Capital
Tier 1 Leverage Ratio7.91%8.14%8.12%8.22%8.01%+10 bps
Total Risk-Based Capital12.58%13.09%12.94%12.93%12.38%-20 bps
Equity / Assets7.71%8.50%8.53%8.67%7.47%-25 bps
Liquidity & Funding
Loans / Deposits68.72%68.12%68.04%64.63%68.10%-62 bps
Liquid Assets / Assets9.44%9.09%7.64%7.60%10.29%+86 bps
CRE / Total Capitaln/an/an/an/an/an/an/a