Call reports 2008
CENTERPOINTE COMMUNITY BANK — 2008
What CENTERPOINTE COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 21,762,000 | 25,697,000 | 34,398,000 | 36,081,000 |
| Total loans | 7,024,000 | 13,994,000 | 16,572,000 | 22,604,000 |
| Allowance for loan losses | 73,000 | 155,000 | 181,000 | 250,000 |
| Securities available for sale | 10,506,000 | 9,031,000 | 9,554,000 | 10,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,294,000 | 17,534,000 | 26,911,000 | 26,170,000 |
| Interest-bearing deposits | 12,899,000 | 16,600,000 | 24,112,000 | 22,198,000 |
| Noninterest-bearing deposits | 395,000 | 934,000 | 2,799,000 | 3,972,000 |
| Equity capital | 8,400,000 | 8,038,000 | 7,330,000 | 6,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 239,000 | 577,000 | 973,000 | 1,435,000 |
| Interest expense | 123,000 | 267,000 | 444,000 | 657,000 |
| Net interest income | 116,000 | 310,000 | 529,000 | 778,000 |
| Noninterest income | 2,000 | 4,000 | 7,000 | 12,000 |
| Noninterest expense | 542,000 | 1,164,000 | 1,912,000 | 2,552,000 |
| Provision for loan losses | 51,000 | 134,000 | 160,000 | 230,000 |
| Pretax income | -475,000 | -984,000 | -1,536,000 | -1,992,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -475,000 | -984,000 | -1,536,000 | -1,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,626,000 | 8,141,000 | 7,611,000 | 7,091,000 |
| Total capital | 8,699,000 | 8,296,000 | 7,792,000 | 7,341,000 |
| Risk-weighted assets | 15,055,000 | 19,091,000 | 23,384,000 | 28,649,000 |