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Centerpointe Community Bank

Hood River, OR · Cert 58625

FDIC · 4 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Centerpointe Community Bank

Hood River, OR · Cert 58625

FDIC · 4 branches

Q2 2017

$141.3MAssets
$97.3MLoans
$127.6MDeposits
$13.2MEquity
Loan mix
70%RE $46.2M30%C&I $19.9M0%Consumer $0.1MQ2 2016Q2 2017
Deposit mix
58%Interest-bearing $74.6M42%Noninterest $53.0MQ2 2016Q2 2017

NIM

3.75%Q2 ’153.94%Q2 ’164.05%Q2 ’17+5%+3%

Non-interest income vs. expense

2.92%Q2 ’153.15%Q2 ’163.34%Q2 ’17+7%+4%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2017 SOD (annual) · 0.0% share · #34 of 37 inst. · $0.0B of $50.2B

16.9% Hood River
7.7% Wasco
2.9% Klickitat
0.0% Clackamas

Executive Summary

  • Earnings: ROA of 0.58%, down 9 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.78% of loans (+78 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.65%, up 38 bps from a year ago.
  • Funding: loans stand at 76.27% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.58%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+11 bps YoY

Efficiency Ratio (YTD, annualized)

76.40%+123 bps YoY

Tier 1 Leverage Ratio

9.65%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.67%0.73%0.74%0.60%0.58%-9 bps
Return on Equity7.45%7.96%8.01%6.37%6.20%-125 bps
Net Interest Margin3.84%3.98%3.87%3.97%3.95%+11 bps
Efficiency Ratio75.16%73.17%73.25%77.05%76.40%+123 bps
Non-Interest Burden2.80%2.82%2.74%2.97%2.92%+12 bps
Growth
Asset Growth (YoY)-0.57%6.90%1.11%0.18%8.02%+859 bps
Loan Growth (YoY)11.21%5.91%5.51%8.32%8.47%-273 bps
Deposit Growth (YoY)-2.62%6.26%-0.43%-0.60%8.84%+1,146 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.84%0.78%+78 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.02%+2 bps
Allowance / Loans1.05%1.08%1.06%1.05%1.00%-4 bps
Allowance Coverage of NPLsn/an/an/a1.2x1.3xn/a
Capital
Tier 1 Leverage Ratio9.27%9.55%9.49%9.58%9.65%+38 bps
Total Risk-Based Capital13.78%14.08%14.33%13.89%13.58%-20 bps
Equity / Assets9.46%9.47%9.58%9.38%9.32%-15 bps
Liquidity & Funding
Loans / Deposits76.53%74.75%76.03%74.61%76.27%-26 bps
Liquid Assets / Assets3.67%3.56%6.83%3.88%2.37%-129 bps
CRE / Total Capitaln/an/an/an/an/an/an/a