Call reports 2015
CENTERPOINTE COMMUNITY BANK — 2015
What CENTERPOINTE COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 128,176,000 | 131,581,000 | 124,674,000 | 129,649,000 |
| Total loans | 76,410,000 | 80,675,000 | 84,228,000 | 84,672,000 |
| Allowance for loan losses | 846,000 | 861,000 | 868,000 | 889,000 |
| Securities available for sale | 35,852,000 | 31,087,000 | 28,314,000 | 25,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,975,000 | 120,379,000 | 112,310,000 | 118,022,000 |
| Interest-bearing deposits | 62,957,000 | 64,584,000 | 64,306,000 | 68,316,000 |
| Noninterest-bearing deposits | 54,018,000 | 55,795,000 | 48,004,000 | 49,706,000 |
| Equity capital | 11,103,000 | 11,066,000 | 11,480,000 | 11,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,439,000 | 3,731,000 | 5,038,000 |
| Interest expense | 31,000 | 66,000 | 103,000 | 137,000 |
| Net interest income | 1,208,000 | 2,373,000 | 3,628,000 | 4,901,000 |
| Noninterest income | 99,000 | 203,000 | 307,000 | 413,000 |
| Noninterest expense | 926,000 | 1,896,000 | 2,902,000 | 3,881,000 |
| Provision for loan losses | 29,000 | 42,000 | 62,000 | 82,000 |
| Pretax income | 352,000 | 658,000 | 1,001,000 | 1,382,000 |
| Income tax | 145,000 | 256,000 | 381,000 | 518,000 |
| Net income | 207,000 | 402,000 | 620,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,595,000 | 10,721,000 | 11,103,000 | 11,501,000 |
| Total capital | 11,441,000 | 11,582,000 | 11,977,000 | 12,395,000 |
| Risk-weighted assets | 85,123,000 | 83,631,000 | 90,842,000 | 93,871,000 |