Call reports 2012
CENTERPOINTE COMMUNITY BANK — 2012
What CENTERPOINTE COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 84,438,000 | 85,552,000 | 86,396,000 | 102,010,000 |
| Total loans | 60,153,000 | 65,459,000 | 63,823,000 | 62,145,000 |
| Allowance for loan losses | 736,000 | 742,000 | 756,000 | 692,000 |
| Securities available for sale | 13,801,000 | 10,338,000 | 8,679,000 | 8,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,866,000 | 76,572,000 | 77,108,000 | 92,545,000 |
| Interest-bearing deposits | 46,598,000 | 47,965,000 | 47,296,000 | 49,347,000 |
| Noninterest-bearing deposits | 29,268,000 | 28,607,000 | 29,812,000 | 43,198,000 |
| Equity capital | 8,387,000 | 8,706,000 | 9,049,000 | 9,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,145,000 | 3,274,000 | 4,347,000 |
| Interest expense | 69,000 | 131,000 | 186,000 | 240,000 |
| Net interest income | 994,000 | 2,014,000 | 3,088,000 | 4,107,000 |
| Noninterest income | 72,000 | 152,000 | 243,000 | 321,000 |
| Noninterest expense | 870,000 | 1,820,000 | 2,798,000 | 3,731,000 |
| Provision for loan losses | 0 | 4,000 | 18,000 | 18,000 |
| Pretax income | 196,000 | 342,000 | 515,000 | 679,000 |
| Income tax | -125,000 | -250,000 | -375,000 | -482,000 |
| Net income | 321,000 | 592,000 | 890,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,787,000 | 7,967,000 | 8,172,000 | 8,368,000 |
| Total capital | 8,529,000 | 8,715,000 | 8,934,000 | 9,066,000 |
| Risk-weighted assets | 66,354,000 | 71,666,000 | 69,450,000 | 67,631,000 |