Capital Pacific Bank in Portland, Oregon (OR)



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Table of contents:
Capital Pacific Bank
GeneralFDIC Certificate #: 57562
Status: Active
Federal Reserve ID: 3204993
Bank Holding Company (Regulatory Top Holder): Capital Pacific Bancorp (RSSDID: 3589702, Location: Portland, OR)
Date Established: August 04, 2003
WWW: http://www.capitalpacificbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 365615
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 04, 2003
Last Structure Change Effective Date: Febuary 16, 2010
Last Structure Change Process Date: Febuary 16, 2010
Last Data Update: Febuary 16, 2010
Data Source Date: April 05, 2012
LocationAddress: 805 Sw Broadway, Suite 780, Portland, OR 97205
County: Multnomah
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Portland
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Portland-Vancouver, OR-WA (#6440)
Consolidated Metropolitan Statistical Area (CMSA): Portland-Salem, OR-WA (#79)
Core Based Statistical Area (CBSA): Portland-Vancouver-Hillsboro, OR-WA (#38900)
CBSA Metro Statistical Area: Portland-Vancouver-Hillsboro, OR-WA (#38900)
History of ChangesCorrections
Financial SummaryTotal assets: $184.9 mil
Equity capital: $22.0 mil
Deposits held in domestic offices: $159.3 mil
Return on assets (ROA): 0.39% ($0.7 mil)
Quarterly return on assets: 0.57% ($1.1 mil)
Return on Equity (ROE): 3.63% ($0.8 mil)
Quarterly return on equity: 5.05% ($1.1 mil)
Net income: $0.7 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.51% ($942.9 mil)
Quarterly Pretax return on assets: 0.71% ($1,312.7 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)37
Total assets$184,888
Cash and due from depository institutions$18,794
Interest-bearing balances$18,283
Securities$28,070
Federal funds sold & reverse repurchase agreements$123
Net loans & leases$130,582
Loan loss allowance $2,893
Trading account assets$0
Bank premises and fixed assets$118
Other real estate owned$803
Goodwill and other intangibles$0
All other assets$6,398
Life insurance assets$184,888
Total liabilities and capital$162,857
Total liabilities$159,251
Total deposits$112,598
Interest-bearing deposits$159,251
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,087
Other borrowed funds $0
Subordinated debt $1,519
All other liabilities $22,031
Total equity capital$22,031
Total bank equity capital$22,031
Perpetual preferred stock$0
Common stock$0
Surplus$22,741
Undivided profits $-710
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,701
Earning assets $793
Long-term assets (5+ years) $619
Average Assets, year-to-date $177,058
Average Assets, quarterly $28,743
Volatile liabilities $182,665
Insider loans $190,996
FHLB advances $142,090
Loans and leases held for sale $194,079
Unused loan commitments $2,772
Tier 1 (core) risk-based capital $2,772
Tier 2 risk-based capital $21,367
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $22,036
Derivatives$1,499
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,110
Total interest expense $835
Net interest income $7,275
Provision for loan and lease losses $267
Total noninterest income $769
Fiduciary activities $0
Service charges on deposit accounts $510
Trading account gains & fees $0
Additional noninterest income $259
Total noninterest expense $6,882
Salaries and employee benefits $3,697
Premises and equipment expense $853
Additional noninterest expense $2,332
Pre-tax net operating income $895
Securities gains (losses) $43
Applicable income taxes $225
Income before extraordinary items $713
Extraordinary gains - net $0
Net income attributable to bank $713
Net charge-offs $0
Cash dividends $713
Sale, conversion, retirement of capital stock, net $279
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.68%
Cost of funding earning assets 0.48%
Net interest margin 4.20%
Noninterest income to earning assets 0.44%
Noninterest expense to earning assets 3.97%
Net operating income to assets 0.37%
Return on assets (ROA) 0.39%
Pretax return on assets 0.51%
Return on equity (ROE) 3.63%
Retained earnings to average equity (YTD only) 3.63%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 95.70%
Efficiency ratio4.16%
Assets per employee$85,554
Cash dividends to net income (YTD only)5.00%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.17%
Noncurrent assets plus other real estate owned to assets 107.11%
Noncurrent loans to loans 1.90%
Net loans and leases to deposits2.02%
Net loans and leases to core deposits 82.00%
Equity capital to assets 113.37%
Core capital (leverage) ratio 11.92%
Tier 1 risk-based capital ratio 11.01%
Total risk-based capital ratio 15.04%
Memoranda
Average assets$16
Average earning assets$182,665
Average equity $19,626
Average loans $173,417
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1 Oregon Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0365615Capital Pacific Bank805 Sw Broadway, Suite 780, Portland, OR 97205August 04, 2003Full Service Brick and Mortar
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