Call reports 2004
CENTER POINT BANK AND TRUST COMPANY — 2004
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,416,000 | 20,447,000 | 19,651,000 | 20,184,000 |
| Total loans | 10,690,000 | 10,884,000 | 10,985,000 | 11,301,000 |
| Allowance for loan losses | 225,000 | 228,000 | 228,000 | 228,000 |
| Securities available for sale | 5,807,000 | 6,377,000 | 6,477,000 | 6,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,045,000 | 17,956,000 | 16,512,000 | 17,064,000 |
| Interest-bearing deposits | 13,837,000 | 14,896,000 | 13,509,000 | 13,829,000 |
| Noninterest-bearing deposits | 3,208,000 | 3,060,000 | 3,003,000 | 3,235,000 |
| Equity capital | 2,216,000 | 2,310,000 | 2,158,000 | 2,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 249,000 | 503,000 | 770,000 | 1,027,000 |
| Interest expense | 52,000 | 104,000 | 158,000 | 213,000 |
| Net interest income | 197,000 | 399,000 | 612,000 | 814,000 |
| Noninterest income | 33,000 | 130,000 | 147,000 | 176,000 |
| Noninterest expense | 172,000 | 316,000 | 459,000 | 619,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 249,000 | 336,000 | 407,000 |
| Income tax | 18,000 | 79,000 | 105,000 | 83,000 |
| Net income | 47,000 | 163,000 | 151,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,029,000 | 2,145,000 | 2,033,000 | 2,157,000 |
| Total capital | 2,196,000 | 2,320,000 | 2,214,000 | 2,343,000 |
| Risk-weighted assets | 13,285,000 | 13,907,000 | 14,443,000 | 14,855,000 |