Call reports 2003
CENTER POINT BANK AND TRUST COMPANY — 2003
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,502,000 | 21,123,000 | 19,257,000 | 19,648,000 |
| Total loans | 13,234,000 | 13,069,000 | 11,978,000 | 10,618,000 |
| Allowance for loan losses | 227,000 | 229,000 | 222,000 | 224,000 |
| Securities available for sale | 4,556,000 | 5,257,000 | 4,770,000 | 5,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,225,000 | 18,702,000 | 16,942,000 | 17,269,000 |
| Interest-bearing deposits | 15,539,000 | 15,807,000 | 14,174,000 | 14,483,000 |
| Noninterest-bearing deposits | 2,686,000 | 2,895,000 | 2,768,000 | 2,786,000 |
| Equity capital | 2,163,000 | 2,269,000 | 2,180,000 | 2,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 297,000 | 598,000 | 881,000 | 1,145,000 |
| Interest expense | 83,000 | 160,000 | 226,000 | 280,000 |
| Net interest income | 214,000 | 438,000 | 655,000 | 865,000 |
| Noninterest income | 31,000 | 57,000 | 82,000 | 110,000 |
| Noninterest expense | 172,000 | 337,000 | 509,000 | 673,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 181,000 | 251,000 | 337,000 |
| Income tax | 23,000 | 58,000 | 80,000 | 107,000 |
| Net income | 50,000 | 123,000 | 171,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,002,000 | 2,075,000 | 2,023,000 | 2,082,000 |
| Total capital | 2,196,000 | 2,266,000 | 2,200,000 | 2,251,000 |
| Risk-weighted assets | 15,392,000 | 15,258,000 | 14,145,000 | 13,442,000 |