FDIC 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
Location
Address: 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 Changes
Corrections
Financial Summary
Total 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
37Total employees (full-time equivalent)
$184,888Total assets
$18,794Cash and due from depository institutions
$18,283Interest-bearing balances
$28,070Securities
$123Federal funds sold & reverse repurchase agreements
$130,582Net loans & leases
$2,893Loan loss allowance
$0Trading account assets
$118Bank premises and fixed assets
$803Other real estate owned
$0Goodwill and other intangibles
$184,888Life insurance assets
$6,398All other assets
$162,857Total liabilities and capital
$159,251Total liabilities
$112,598Total deposits
$159,251Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,087Trading liabilities
$0Other borrowed funds
$1,519Subordinated debt
$22,031All other liabilities
$22,031Total equity capital
$22,031Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$22,741Surplus
$-710Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,701Income earned, not collected on loans
$793Earning assets
$619Long-term assets (5+ years)
$177,058Average Assets, year-to-date
$28,743Average Assets, quarterly
$182,665Volatile liabilities
$190,996Insider loans
$142,090FHLB advances
$194,079Loans and leases held for sale
$2,772Unused loan commitments
$2,772Tier 1 (core) risk-based capital
$21,367Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,036Restructured Loans and leases
$1,499Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,110Total interest income
$835Total interest expense
$7,275Net interest income
$267Provision for loan and lease losses
$769Total noninterest income
$0Fiduciary activities
$510Service charges on deposit accounts
$0Trading account gains & fees
$259Additional noninterest income
$6,882Total noninterest expense
$3,697Salaries and employee benefits
$853Premises and equipment expense
$2,332Additional noninterest expense
$895Pre-tax net operating income
$43Securities gains (losses)
$225Applicable income taxes
$713Income before extraordinary items
$0Extraordinary gains - net
$713Net income attributable to bank
$0Net charge-offs
$713Cash dividends
$279Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.68%Yield on earning assets
0.48%Cost of funding earning assets
4.20%Net interest margin
0.44%Noninterest income to earning assets
3.97%Noninterest expense to earning assets
0.37%Net operating income to assets
0.39%Return on assets (ROA)
0.51%Pretax return on assets
3.63%Return on equity (ROE)
3.63%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
95.70%Credit loss provision to net charge-offs
4.16%Efficiency ratio
85,554Assets per employee
5.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.17%Loss allowance to noncurrent loans
107.11%Noncurrent assets plus other real estate owned to assets
1.90%Noncurrent loans to loans
2.02%Net loans and leases to deposits
82.00%Net loans and leases to core deposits
113.37%Equity capital to assets
11.92%Core capital (leverage) ratio
11.01%Tier 1 risk-based capital ratio
15.04%Total risk-based capital ratio
Memoranda
$16Average assets
$182,665Average earning assets
$19,626Average equity
$173,417Average loans
List of branches
1 Oregon Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
365615
Capital Pacific Bank
805 Sw Broadway, Suite 780, Portland, OR 97205
August 04, 2003
Full Service Brick and Mortar
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