Call reports 2005
CHURCH POINT BANK AND TRUST COMPANY — 2005
What CHURCH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 38,468,000 | 39,473,000 | 36,824,000 | 37,004,000 |
| Total loans | 14,807,000 | 15,374,000 | 16,084,000 | 17,707,000 |
| Allowance for loan losses | 430,000 | 393,000 | 454,000 | 403,000 |
| Securities available for sale | 17,795,000 | 18,486,000 | 17,465,000 | 16,907,000 |
| Securities held to maturity | 97,000 | 97,000 | 97,000 | 97,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,869,000 | 34,555,000 | 31,885,000 | 32,209,000 |
| Interest-bearing deposits | 26,144,000 | 25,605,000 | 24,109,000 | 24,161,000 |
| Noninterest-bearing deposits | 7,725,000 | 8,949,000 | 7,776,000 | 8,048,000 |
| Equity capital | 4,552,000 | 4,816,000 | 4,841,000 | 4,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 870,000 | 1,326,000 | 1,795,000 |
| Interest expense | 59,000 | 119,000 | 187,000 | 264,000 |
| Net interest income | 364,000 | 751,000 | 1,139,000 | 1,531,000 |
| Noninterest income | 79,000 | 183,000 | 325,000 | 403,000 |
| Noninterest expense | 329,000 | 664,000 | 1,023,000 | 1,545,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 114,000 | 270,000 | 439,000 | 437,000 |
| Income tax | 32,000 | 79,000 | 127,000 | 114,000 |
| Net income | 82,000 | 191,000 | 312,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,894,000 | 4,973,000 | 5,094,000 | 4,927,000 |
| Total capital | 5,124,000 | 5,210,000 | 5,334,000 | 5,183,000 |
| Risk-weighted assets | 18,225,000 | 18,812,000 | 19,011,000 | 20,340,000 |
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