Call reports 2005
CENTER POINT BANK AND TRUST COMPANY — 2005
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 19,978,000 | 19,320,000 | 19,967,000 | 20,595,000 |
| Total loans | 11,413,000 | 11,188,000 | 11,128,000 | 11,208,000 |
| Allowance for loan losses | 228,000 | 228,000 | 228,000 | 228,000 |
| Securities available for sale | 6,229,000 | 5,878,000 | 6,088,000 | 6,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,393,000 | 16,696,000 | 17,208,000 | 17,846,000 |
| Interest-bearing deposits | 13,440,000 | 13,133,000 | 13,216,000 | 13,969,000 |
| Noninterest-bearing deposits | 3,953,000 | 3,563,000 | 3,992,000 | 3,877,000 |
| Equity capital | 2,102,000 | 2,218,000 | 2,125,000 | 2,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 259,000 | 522,000 | 783,000 | 1,054,000 |
| Interest expense | 59,000 | 120,000 | 188,000 | 270,000 |
| Net interest income | 200,000 | 402,000 | 595,000 | 784,000 |
| Noninterest income | 26,000 | 46,000 | 72,000 | 98,000 |
| Noninterest expense | 153,000 | 301,000 | 448,000 | 601,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 172,000 | 244,000 | 306,000 |
| Income tax | 23,000 | 48,000 | 65,000 | 79,000 |
| Net income | 62,000 | 124,000 | 179,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,119,000 | 2,182,000 | 2,137,000 | 2,041,000 |
| Total capital | 2,306,000 | 2,359,000 | 2,313,000 | 2,218,000 |
| Risk-weighted assets | 14,949,000 | 13,780,000 | 14,026,000 | 14,141,000 |