Call reports 2006
CENTER POINT BANK AND TRUST COMPANY — 2006
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 20,955,000 | 20,318,000 | 19,853,000 | 19,967,000 |
| Total loans | 11,412,000 | 11,315,000 | 10,665,000 | 10,757,000 |
| Allowance for loan losses | 228,000 | 228,000 | 225,000 | 226,000 |
| Securities available for sale | 6,365,000 | 6,185,000 | 6,465,000 | 6,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,254,000 | 17,628,000 | 17,099,000 | 16,814,000 |
| Interest-bearing deposits | 14,178,000 | 14,062,000 | 13,875,000 | 13,760,000 |
| Noninterest-bearing deposits | 4,076,000 | 3,566,000 | 3,224,000 | 3,054,000 |
| Equity capital | 2,054,000 | 2,047,000 | 2,107,000 | 2,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 279,000 | 566,000 | 849,000 | 1,134,000 |
| Interest expense | 87,000 | 187,000 | 292,000 | 401,000 |
| Net interest income | 192,000 | 379,000 | 557,000 | 733,000 |
| Noninterest income | 32,000 | 59,000 | 89,000 | 116,000 |
| Noninterest expense | 159,000 | 308,000 | 460,000 | 611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 132,000 | 188,000 | 312,000 |
| Income tax | 15,000 | 28,000 | 39,000 | 95,000 |
| Net income | 52,000 | 104,000 | 149,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,137,000 | 2,189,000 | 2,134,000 | 2,203,000 |
| Total capital | 2,317,000 | 2,367,000 | 2,308,000 | 2,362,000 |
| Risk-weighted assets | 14,386,000 | 14,200,000 | 13,835,000 | 13,776,000 |