Call reports 2004
CHURCH POINT BANK AND TRUST COMPANY — 2004
What CHURCH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,699,000 | 37,959,000 | 36,988,000 | 39,692,000 |
| Total loans | 14,179,000 | 13,966,000 | 13,923,000 | 14,220,000 |
| Allowance for loan losses | 425,000 | 441,000 | 442,000 | 459,000 |
| Securities available for sale | 19,936,000 | 18,918,000 | 17,384,000 | 19,087,000 |
| Securities held to maturity | 182,000 | 179,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,503,000 | 33,299,000 | 31,951,000 | 34,872,000 |
| Interest-bearing deposits | 27,258,000 | 26,237,000 | 25,512,000 | 27,875,000 |
| Noninterest-bearing deposits | 7,245,000 | 7,062,000 | 6,439,000 | 6,997,000 |
| Equity capital | 4,958,000 | 4,609,000 | 4,900,000 | 4,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 818,000 | 1,217,000 | 1,651,000 |
| Interest expense | 70,000 | 135,000 | 195,000 | 257,000 |
| Net interest income | 350,000 | 683,000 | 1,022,000 | 1,394,000 |
| Noninterest income | 63,000 | 133,000 | 242,000 | 344,000 |
| Noninterest expense | 329,000 | 661,000 | 1,001,000 | 1,491,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 138,000 | 246,000 | 230,000 |
| Income tax | 19,000 | 40,000 | 73,000 | 55,000 |
| Net income | 48,000 | 98,000 | 173,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,892,000 | 4,912,000 | 4,987,000 | 4,811,000 |
| Total capital | 5,112,000 | 5,133,000 | 5,204,000 | 5,035,000 |
| Risk-weighted assets | 17,416,000 | 17,495,000 | 17,144,000 | 17,704,000 |
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