Call reports 2009
CENTERPOINTE COMMUNITY BANK — 2009
What CENTERPOINTE COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 38,401,000 | 40,876,000 | 43,909,000 | 60,511,000 |
| Total loans | 25,837,000 | 28,992,000 | 33,382,000 | 40,229,000 |
| Allowance for loan losses | 289,000 | 320,000 | 374,000 | 488,000 |
| Securities available for sale | 8,030,000 | 6,725,000 | 5,297,000 | 5,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,860,000 | 34,531,000 | 37,661,000 | 54,802,000 |
| Interest-bearing deposits | 25,105,000 | 26,511,000 | 30,175,000 | 37,931,000 |
| Noninterest-bearing deposits | 6,755,000 | 8,020,000 | 7,486,000 | 16,871,000 |
| Equity capital | 6,429,000 | 6,202,000 | 5,900,000 | 5,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 1,089,000 | 1,737,000 | 2,393,000 |
| Interest expense | 172,000 | 329,000 | 490,000 | 657,000 |
| Net interest income | 325,000 | 760,000 | 1,247,000 | 1,736,000 |
| Noninterest income | 10,000 | 22,000 | 15,000 | 28,000 |
| Noninterest expense | 734,000 | 1,468,000 | 2,154,000 | 3,128,000 |
| Provision for loan losses | 39,000 | 70,000 | 126,000 | 240,000 |
| Pretax income | -438,000 | -756,000 | -1,017,000 | -1,603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -438,000 | -756,000 | -1,017,000 | -1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,666,000 | 6,347,000 | 6,090,000 | 5,511,000 |
| Total capital | 6,955,000 | 6,667,000 | 6,464,000 | 5,999,000 |
| Risk-weighted assets | 32,335,000 | 36,309,000 | 39,007,000 | 48,745,000 |