Call reports 2009
CENTER POINT BANK AND TRUST COMPANY — 2009
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 23,941,000 | 23,624,000 | 25,037,000 | 29,490,000 |
| Total loans | 13,991,000 | 14,148,000 | 16,096,000 | 16,761,000 |
| Allowance for loan losses | 227,000 | 227,000 | 221,000 | 221,000 |
| Securities available for sale | 6,484,000 | 6,870,000 | 6,999,000 | 8,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,758,000 | 20,834,000 | 21,608,000 | 26,970,000 |
| Interest-bearing deposits | 17,779,000 | 17,499,000 | 18,707,000 | 23,274,000 |
| Noninterest-bearing deposits | 3,979,000 | 3,335,000 | 2,901,000 | 3,696,000 |
| Equity capital | 1,680,000 | 1,930,000 | 2,129,000 | 2,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 648,000 | 988,000 | 1,322,000 |
| Interest expense | 93,000 | 182,000 | 269,000 | 364,000 |
| Net interest income | 224,000 | 466,000 | 719,000 | 958,000 |
| Noninterest income | 31,000 | 67,000 | 100,000 | 138,000 |
| Noninterest expense | 165,000 | 340,000 | 507,000 | 686,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 90,000 | 5,000 | 27,000 | 193,000 |
| Income tax | 24,000 | -21,000 | 5,000 | 36,000 |
| Net income | 66,000 | 26,000 | 22,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,130,000 | 2,090,000 | 2,086,000 | 2,221,000 |
| Total capital | 2,357,000 | 2,317,000 | 2,307,000 | 2,442,000 |
| Risk-weighted assets | 18,307,000 | 18,475,000 | 19,838,000 | 20,923,000 |