Institution Statistics
| Centerpointe Community Bank | | FDIC Certificate # | 58625 | | BankRate Report | View | | Year Established | 2007 | | Employees | 21 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $80.20 million | | Loans | $56.29 million | | Deposits | $68.04 million | | Equity Capital | $8.01 million | | Loan Loss Allowance | $728,000 |
Historic Data - December 2010 | | Assets | $71.13 million | | Equity Capital | $6.65 million | | Loan Loss Allowance | $636,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.37% | | Return on Assets | 1.55% | | Return on Equity | 16.83% | | Interest Income | $4.25 million |
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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 Centerpointe Community Bank had $0 in non-current loans and owned real-estate with $8.73 million in equity and loan loss allowances on hand to cover it. This gives Centerpointe Community Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Centerpointe Community Bank has increased its total deposits by $4.24 million, resulting in 6.64% 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 Centerpointe Community 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. Centerpointe Community Bank has $80.2 million in assets with $8.73 million in equity, resulting in a capitalization level of 10.89%, which is above average. |
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