Call reports 2014
CENTERPOINTE COMMUNITY BANK — 2014
What CENTERPOINTE COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 119,481,000 | 124,719,000 | 132,997,000 | 132,604,000 |
| Total loans | 64,252,000 | 70,394,000 | 74,276,000 | 74,244,000 |
| Allowance for loan losses | 734,000 | 760,000 | 784,000 | 825,000 |
| Securities available for sale | 12,380,000 | 18,208,000 | 34,407,000 | 35,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,280,000 | 114,336,000 | 122,299,000 | 121,806,000 |
| Interest-bearing deposits | 61,359,000 | 59,290,000 | 69,556,000 | 70,098,000 |
| Noninterest-bearing deposits | 47,921,000 | 55,046,000 | 52,743,000 | 51,708,000 |
| Equity capital | 10,094,000 | 10,277,000 | 10,394,000 | 10,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 2,055,000 | 3,205,000 | 4,464,000 |
| Interest expense | 44,000 | 76,000 | 108,000 | 140,000 |
| Net interest income | 946,000 | 1,979,000 | 3,097,000 | 4,324,000 |
| Noninterest income | 74,000 | 168,000 | 264,000 | 363,000 |
| Noninterest expense | 876,000 | 1,752,000 | 2,685,000 | 3,604,000 |
| Provision for loan losses | 6,000 | 32,000 | 55,000 | 98,000 |
| Pretax income | 138,000 | 363,000 | 621,000 | 985,000 |
| Income tax | 48,000 | 132,000 | 243,000 | 383,000 |
| Net income | 90,000 | 231,000 | 378,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,298,000 | 9,794,000 | 10,112,000 | 10,508,000 |
| Total capital | 10,032,000 | 10,554,000 | 10,896,000 | 11,333,000 |
| Risk-weighted assets | 67,903,000 | 74,714,000 | 82,543,000 | 82,642,000 |