Centerpointe Community Bank in Hood River, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Centerpointe Community Bank - Overview

  • General
  • FDIC Certificate #: 58625
    Status: Active
    Federal Reserve ID: 3631870
    Date Established: September 04, 2007
    WWW: http://www.centerpointebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 459441
    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: September 04, 2007
    Last Structure Change Effective Date: April 28, 2010
    Last Structure Change Process Date: September 21, 2010
    Last Data Update: September 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2500 Cascade Avenue, Hood River, OR 97031
    County: Hood River
    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
    Core Based Statistical Area (CBSA): Hood River, OR (#26220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $80.2 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $68.0 mil
    Return on assets (ROA): 1.55% ($1.2 mil)
    Quarterly return on assets: 3.54% ($2.8 mil)
    Return on Equity (ROE): 16.83% ($1.3 mil)
    Quarterly return on equity: 37.85% ($3.0 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.90% ($721.8 mil)
    Quarterly Pretax return on assets: 1.09% ($874.1 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
  • 21Total employees (full-time equivalent)
  • $80,197Total assets
  • $4,950Cash and due from depository institutions
  • $2,961Interest-bearing balances
  • $15,255Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,293Net loans & leases
  • $728Loan loss allowance
  • $0Trading account assets
  • $1,188Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $80,198Life insurance assets
  • $2,511All other assets
  • $72,192Total liabilities and capital
  • $68,039Total liabilities
  • $41,283Total deposits
  • $68,039Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 4000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $153Subordinated debt
  • $8,006All other liabilities
  • $8,006Total equity capital
  • $8,006Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $11,279Surplus
  • $-3,273Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $323Long-term assets (5+ years)
  • $74,509Average Assets, year-to-date
  • $40,462Average Assets, quarterly
  • $77,854Volatile liabilities
  • $81,560Insider loans
  • $63,152FHLB advances
  • $85,503Loans and leases held for sale
  • $1,048Unused loan commitments
  • $1,048Tier 1 (core) risk-based capital
  • $7,446Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,080Restructured Loans and leases
  • $1,103Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,250Total interest income
  • $326Total interest expense
  • $3,924Net interest income
  • $140Provision for loan and lease losses
  • $122Total noninterest income
  • $0Fiduciary activities
  • $81Service charges on deposit accounts
  • $0Trading account gains & fees
  • $41Additional noninterest income
  • $3,203Total noninterest expense
  • $1,746Salaries and employee benefits
  • $480Premises and equipment expense
  • $977Additional noninterest expense
  • $703Pre-tax net operating income
  • $0Securities gains (losses)
  • -$500Applicable income taxes
  • $1,203Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,203Net income attributable to bank
  • $0Net charge-offs
  • $1,203Cash dividends
  • $48Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.81%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 5.37%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 4.38%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 16.83%Return on equity (ROE)
  • 16.83%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 291.67%Credit loss provision to net charge-offs
  • 17.56%Efficiency ratio
  • 79,165Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 82.74%Net loans and leases to core deposits
  • 83.25%Equity capital to assets
  • 9.98%Core capital (leverage) ratio
  • 8.71%Tier 1 risk-based capital ratio
  • 11.79%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $77,854Average earning assets
  • $7,148Average equity
  • $73,105Average loans

List of branches

  • 2 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0459441Centerpointe Community Bank2500 Cascade Avenue, Hood River, OR 97031September 04, 2007Full Service Brick and Mortar
    1493021Centerpointe Community Bank Branch1100 W Sixth St., The Dalles, OR 97058July 23, 2008Full Service Brick and Mortar

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