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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 $0.1MQ3 2015Q2 2017
Deposit mix
58%Interest-bearing $74.6M42%Noninterest $53.0MQ3 2015Q2 2017

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 0.56%, down 18 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.78% of loans (+78 bps YoY), with net charge-offs at 0.04%.
  • 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.

Return on Assets (quarter, annualized)

0.56%-18 bps YoY

Net Interest Margin (quarter, annualized)

3.97%+6 bps YoY

Efficiency Ratio (quarter, annualized)

75.76%+317 bps YoY

Tier 1 Leverage Ratio

9.65%+38 bps YoY

NIM

3.69%Q2 ’154.01%Q2 ’164.07%Q2 ’17+9%+2%

Non-interest income vs. expense

2.98%Q2 ’153.11%Q2 ’163.34%Q2 ’17+3%+6%

Discrete quarter, annualized.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.68%0.77%0.59%0.75%0.84%0.77%0.60%0.56%-18 bps
Return on Equity7.74%8.48%6.68%8.20%8.90%8.07%6.37%6.04%-216 bps
Net Interest Margin3.75%4.05%3.77%3.91%4.23%3.88%3.97%3.97%+6 bps
Efficiency Ratio74.03%70.99%77.85%72.59%69.52%73.47%77.05%75.76%+317 bps
Non-Interest Burden2.69%2.77%2.86%2.74%2.83%2.75%2.97%2.90%+17 bps
Growth
Asset Growth (YoY)-6.26%-2.23%6.32%-0.57%6.90%1.11%0.18%8.02%+859 bps
Loan Growth (YoY)13.40%14.05%11.26%11.21%5.91%5.51%8.32%8.47%-273 bps
Deposit Growth (YoY)-8.17%-3.11%6.16%-2.62%6.26%-0.43%-0.60%8.84%+1,146 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.84%0.78%+78 bps
Net Charge-Offs / Loans0.06%0.00%0.00%0.00%0.00%0.00%0.00%0.04%+4 bps
Allowance / Loans1.03%1.05%1.05%1.05%1.08%1.06%1.05%1.00%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a1.2x1.3xn/a
Capital
Tier 1 Leverage Ratio8.30%9.14%9.01%9.27%9.55%9.49%9.58%9.65%+38 bps
Total Risk-Based Capital13.18%13.20%13.50%13.78%14.08%14.33%13.89%13.58%-20 bps
Equity / Assets9.21%8.90%8.75%9.46%9.47%9.58%9.38%9.32%-15 bps
Liquidity & Funding
Loans / Deposits75.00%71.74%68.46%76.53%74.75%76.03%74.61%76.27%-26 bps
Liquid Assets / Assets4.47%3.27%7.63%3.67%3.56%6.83%3.88%2.37%-129 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a