Call reports 2002
CENTER POINT BANK AND TRUST COMPANY — 2002
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 18,000,000 | 18,928,000 | 19,786,000 | 19,555,000 |
| Total loans | 10,034,000 | 11,502,000 | 12,565,000 | 12,617,000 |
| Allowance for loan losses | 198,000 | 201,000 | 197,000 | 234,000 |
| Securities available for sale | 6,450,000 | 5,593,000 | 5,322,000 | 5,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,284,000 | 16,954,000 | 16,860,000 | 16,931,000 |
| Interest-bearing deposits | 12,465,000 | 14,039,000 | 13,793,000 | 14,515,000 |
| Noninterest-bearing deposits | 2,819,000 | 2,915,000 | 3,067,000 | 2,416,000 |
| Equity capital | 2,000,000 | 1,919,000 | 2,102,000 | 2,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 284,000 | 588,000 | 903,000 | 1,244,000 |
| Interest expense | 97,000 | 193,000 | 287,000 | 375,000 |
| Net interest income | 187,000 | 395,000 | 616,000 | 869,000 |
| Noninterest income | 52,000 | 53,000 | 77,000 | 105,000 |
| Noninterest expense | 152,000 | 297,000 | 436,000 | 595,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 43,000 |
| Pretax income | 87,000 | -21,000 | 77,000 | 158,000 |
| Income tax | 26,000 | -12,000 | 20,000 | 36,000 |
| Net income | 61,000 | 17,000 | 83,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,986,000 | 1,943,000 | 2,012,000 | 2,052,000 |
| Total capital | 2,146,000 | 2,116,000 | 2,197,000 | 2,235,000 |
| Risk-weighted assets | 12,760,000 | 13,830,000 | 14,779,000 | 14,588,000 |