# CENTER POINT BANK&TRUST CO
CENTER POINT, IA · FDIC certificate 19293 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $34.2M | |
| Deposits | $29.0M | |
| Loans and leases | $19.8M | |
| Total equity | $2.6M | |
| Loans / deposits | 67.21% (p36 of band) | 75.62% |
| Liquid assets / assets | 36.72% (p62 of band) | |
| Uninsured deposits / deposits | 23.07% (p74 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.25% (p78 of band) | |
| FHLB advances / assets | 5.85% | |
| Tier 1 leverage | 8.01% (p3 of band) | 11.43% |
| Unrealized securities loss / equity | -11.52% (p2 of band) | 0.53% |
| AOCI / equity | -12.54% (p1 of band) | |
| ROA (annualized) | 0.90% (p49 of band) | 0.92% |
| Net interest margin | 3.34% (p31 of band) | 3.67% |
| Efficiency ratio | 72.28% (p52 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 13.13% (p46 of band) | |
| Auto loans | $988,000 (5.00% of loans; DQ 0.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 6 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | losing money, charge-offs p90 |  |
| 2012-09 | 3 | reserve under noncurrent |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 | capital falling | losing money |
| 2013-06 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2013-09 | 3 | losing money, reserve under noncurrent |  |
| 2013-12 | 4 | charge-offs p90, deposits shrinking | losing money |
| 2014-03 | 4 | assets shrinking, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2014-06 | 3 |  | uninsured deposits leaving |
| 2014-09 | 4 | capital falling, charge-offs p90 | assets shrinking |
| 2014-12 | 2 |  | reserve under noncurrent, deposits shrinking |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 | reserve under noncurrent | capital falling |
| 2015-09 | 4 | wholesale funding >15%, charge-offs p90, uninsured deposits leaving |  |
| 2015-12 | 3 |  | wholesale funding >15% |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | deposits shrinking |  |
| 2018-06 | 0 |  | deposits shrinking |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 | deposits shrinking | charge-offs p90 |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19293 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "19293", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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