Call reports 2016
CENTERPOINTE COMMUNITY BANK — 2016
What CENTERPOINTE COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 136,281,000 | 130,832,000 | 133,273,000 | 131,093,000 |
| Total loans | 85,012,000 | 89,715,000 | 89,206,000 | 89,337,000 |
| Allowance for loan losses | 894,000 | 939,000 | 964,000 | 943,000 |
| Securities available for sale | 28,512,000 | 28,230,000 | 26,352,000 | 26,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,182,000 | 117,231,000 | 119,345,000 | 117,510,000 |
| Interest-bearing deposits | 71,022,000 | 66,627,000 | 62,023,000 | 73,652,000 |
| Noninterest-bearing deposits | 53,160,000 | 50,604,000 | 57,322,000 | 43,858,000 |
| Equity capital | 11,926,000 | 12,378,000 | 12,617,000 | 12,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,592,000 | 4,012,000 | 5,349,000 |
| Interest expense | 34,000 | 67,000 | 101,000 | 133,000 |
| Net interest income | 1,239,000 | 2,525,000 | 3,911,000 | 5,216,000 |
| Noninterest income | 111,000 | 233,000 | 353,000 | 473,000 |
| Noninterest expense | 1,051,000 | 2,073,000 | 3,120,000 | 4,167,000 |
| Provision for loan losses | 5,000 | 50,000 | 75,000 | 54,000 |
| Pretax income | 316,000 | 707,000 | 1,167,000 | 1,566,000 |
| Income tax | 120,000 | 262,000 | 444,000 | 589,000 |
| Net income | 196,000 | 445,000 | 723,000 | 977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,860,000 | 12,192,000 | 12,508,000 | 12,782,000 |
| Total capital | 12,760,000 | 13,137,000 | 13,478,000 | 13,737,000 |
| Risk-weighted assets | 94,494,000 | 95,300,000 | 95,698,000 | 95,872,000 |