Capital Pacific Bank

Capital Pacific Bank is headquartered in Portland and is the 17^st largest bank in the state of Oregon. It is also the 3,300^th largest bank in the nation. It was established in 2003 and as of December of 2011, it had grown to 37 employees at 1 location. Capital Pacific Bank has a 5-star health rating.

Capital Pacific Bank Routing Number: 123006897

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Data for Q4 2011

Institution Statistics Capital Pacific Bank FDIC Certificate # 57562 BankRate Report View Year Established 2003 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $184.89 million Loans $130.58 million Deposits $159.25 million Equity Capital $22.03 million Loan Loss Allowance $2.89 million Unbacked Noncurrent Loans $1.91 million Real Estate Owned $803,000 Historic Data - December 2010 Assets $169.78 million Equity Capital $18.20 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $2.41 million Real Estate Owned $6.89 million Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 0.39% Return on Equity 3.63% Interest Income $8.11 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Capital Pacific Bank had $2.71 million in non-current loans and owned real-estate with $24.92 million in equity and loan loss allowances on hand to cover it. This gives Capital Pacific Bank a Texas Ratio of 10.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capital Pacific Bank decreased significantly from 43.01% as of December 31, 2010 to 10.88% as of December 31, 2011, resulting in a positive change of 74.71%.This indicates that the balance sheet and financial strength for Capital Pacific Bank has improved significantly in recent periods. Deposit Growth In the past year, Capital Pacific Bank has increased its total deposits by $14.44 million, resulting in 9.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capital Pacific Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capital Pacific Bank has $184.89 million in assets with $24.92 million in equity, resulting in a capitalization level of 13.48%, which is excellent.

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