Call reports 2010
CENTERPOINTE COMMUNITY BANK — 2010
What CENTERPOINTE COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 66,998,000 | 69,092,000 | 72,834,000 | 71,131,000 |
| Total loans | 45,327,000 | 54,362,000 | 55,525,000 | 53,272,000 |
| Allowance for loan losses | 552,000 | 637,000 | 673,000 | 636,000 |
| Securities available for sale | 4,449,000 | 4,208,000 | 4,280,000 | 5,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,848,000 | 62,835,000 | 66,429,000 | 63,804,000 |
| Interest-bearing deposits | 39,646,000 | 41,246,000 | 40,020,000 | 47,090,000 |
| Noninterest-bearing deposits | 21,202,000 | 21,589,000 | 26,409,000 | 16,714,000 |
| Equity capital | 5,974,000 | 6,022,000 | 6,194,000 | 6,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 809,000 | 1,740,000 | 2,789,000 | 3,825,000 |
| Interest expense | 147,000 | 292,000 | 442,000 | 590,000 |
| Net interest income | 662,000 | 1,448,000 | 2,347,000 | 3,235,000 |
| Noninterest income | 18,000 | 40,000 | 62,000 | 84,000 |
| Noninterest expense | 731,000 | 1,448,000 | 2,179,000 | 2,947,000 |
| Provision for loan losses | 64,000 | 127,000 | 163,000 | 163,000 |
| Pretax income | -51,000 | -14,000 | 140,000 | 291,000 |
| Income tax | 0 | 0 | 0 | -300,000 |
| Net income | -51,000 | -14,000 | 140,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,952,000 | 5,995,000 | 6,155,000 | 6,342,000 |
| Total capital | 6,504,000 | 6,636,000 | 6,834,000 | 6,984,000 |
| Risk-weighted assets | 52,199,000 | 60,068,000 | 61,875,000 | 60,255,000 |