Call reports 2007
CENTER POINT BANK AND TRUST COMPANY — 2007
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 20,362,000 | 20,149,000 | 20,271,000 | 20,210,000 |
| Total loans | 11,061,000 | 10,194,000 | 10,946,000 | 11,226,000 |
| Allowance for loan losses | 226,000 | 227,000 | 227,000 | 227,000 |
| Securities available for sale | 6,309,000 | 6,210,000 | 5,871,000 | 6,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,544,000 | 17,339,000 | 17,545,000 | 17,367,000 |
| Interest-bearing deposits | 14,306,000 | 14,042,000 | 14,193,000 | 13,947,000 |
| Noninterest-bearing deposits | 3,238,000 | 3,297,000 | 3,352,000 | 3,420,000 |
| Equity capital | 2,134,000 | 2,127,000 | 2,030,000 | 2,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 285,000 | 574,000 | 869,000 | 1,173,000 |
| Interest expense | 111,000 | 236,000 | 359,000 | 481,000 |
| Net interest income | 174,000 | 338,000 | 510,000 | 692,000 |
| Noninterest income | 27,000 | 62,000 | 95,000 | 125,000 |
| Noninterest expense | 138,000 | 285,000 | 423,000 | 576,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 121,000 | 189,000 | 248,000 |
| Income tax | 14,000 | 25,000 | 40,000 | 51,000 |
| Net income | 49,000 | 96,000 | 149,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,150,000 | 2,198,000 | 2,150,000 | 2,198,000 |
| Total capital | 2,328,000 | 2,368,000 | 2,289,000 | 2,342,000 |
| Risk-weighted assets | 14,197,000 | 13,547,000 | 14,118,000 | 14,405,000 |