Call reports 2008
CENTER POINT BANK AND TRUST COMPANY — 2008
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 19,904,000 | 20,449,000 | 21,631,000 | 22,252,000 |
| Total loans | 11,266,000 | 12,078,000 | 13,011,000 | 13,438,000 |
| Allowance for loan losses | 227,000 | 227,000 | 227,000 | 227,000 |
| Securities available for sale | 5,416,000 | 5,855,000 | 6,044,000 | 6,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,169,000 | 17,437,000 | 18,107,000 | 19,971,000 |
| Interest-bearing deposits | 13,484,000 | 13,820,000 | 14,654,000 | 16,555,000 |
| Noninterest-bearing deposits | 3,685,000 | 3,617,000 | 3,453,000 | 3,416,000 |
| Equity capital | 2,075,000 | 2,044,000 | 1,786,000 | 1,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 276,000 | 560,000 | 865,000 | 1,184,000 |
| Interest expense | 116,000 | 223,000 | 327,000 | 426,000 |
| Net interest income | 160,000 | 337,000 | 538,000 | 758,000 |
| Noninterest income | 36,000 | 66,000 | 99,000 | 132,000 |
| Noninterest expense | 143,000 | 289,000 | 436,000 | 613,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 130,000 | 117,000 | 193,000 |
| Income tax | 15,000 | 27,000 | 9,000 | 27,000 |
| Net income | 54,000 | 103,000 | 108,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,145,000 | 2,201,000 | 2,106,000 | 2,164,000 |
| Total capital | 2,324,000 | 2,368,000 | 2,118,000 | 2,178,000 |
| Risk-weighted assets | 14,247,000 | 15,847,000 | 16,952,000 | 17,311,000 |