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Capital Pacific Bank

Portland, OR · Cert 57562

FDIC · 1 branch

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Capital Pacific Bank

Portland, OR · Cert 57562

FDIC · 1 branch

Q4 2014

$252.8MAssets
$202.7MLoans
$224.9MDeposits
$26.1MEquity
Loan mix
74%RE $104.0M26%C&I $35.6M0%Consumer $0.1MQ4 2013Q4 2014
Deposit mix
66%Interest-bearing $148.8M34%Noninterest $76.1MQ4 2013Q4 2014

NIM

3.88%Q4 ’123.86%Q4 ’133.91%Q4 ’14+2%+1%

Non-interest income vs. expense

2.92%Q4 ’122.72%Q4 ’132.65%Q4 ’14-7%-4%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2014 SOD (annual) · 0.5% share · #17 of 37 inst. · $0.2B of $40.4B

Executive Summary

  • Earnings: ROA of 0.95%, up 3 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 90.13% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.95%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+5 bps YoY

Efficiency Ratio (YTD, annualized)

64.75%-314 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.92%0.91%0.95%0.98%0.95%+3 bps
Return on Equity8.35%8.76%9.08%9.53%9.23%+87 bps
Net Interest Margin3.68%3.85%3.80%3.68%3.73%+5 bps
Efficiency Ratio67.89%66.88%66.47%64.87%64.75%-314 bps
Non-Interest Burden2.40%2.45%2.41%2.26%2.29%-11 bps
Growth
Asset Growth (YoY)18.88%21.73%13.35%10.96%5.78%-1,310 bps
Loan Growth (YoY)18.08%21.09%14.76%12.15%7.85%-1,023 bps
Deposit Growth (YoY)21.71%25.02%14.39%11.30%5.57%-1,615 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.11%-0.03%0.22%0.14%0.10%+21 bps
Allowance / Loans1.59%1.61%1.43%1.41%1.40%-18 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 Capital13.32%13.70%13.59%13.47%13.63%+31 bps
Equity / Assets10.05%10.63%10.65%9.96%10.32%+27 bps
Liquidity & Funding
Loans / Deposits88.22%90.64%91.84%88.06%90.13%+190 bps
Liquid Assets / Assets6.78%4.11%2.77%6.95%6.15%-64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a