Call reports 2010
CENTER POINT BANK AND TRUST COMPANY — 2010
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 29,068,000 | 29,222,000 | 28,091,000 | 27,190,000 |
| Total loans | 16,531,000 | 17,253,000 | 18,883,000 | 19,702,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 241,000 |
| Securities available for sale | 7,437,000 | 8,452,000 | 5,884,000 | 4,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,446,000 | 26,028,000 | 24,105,000 | 23,977,000 |
| Interest-bearing deposits | 22,898,000 | 22,662,000 | 20,575,000 | 20,232,000 |
| Noninterest-bearing deposits | 3,548,000 | 3,366,000 | 3,530,000 | 3,744,000 |
| Equity capital | 2,244,000 | 2,366,000 | 2,416,000 | 2,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 368,000 | 737,000 | 1,128,000 | 1,487,000 |
| Interest expense | 96,000 | 192,000 | 281,000 | 360,000 |
| Net interest income | 272,000 | 545,000 | 847,000 | 1,127,000 |
| Noninterest income | 35,000 | 69,000 | 103,000 | 142,000 |
| Noninterest expense | 193,000 | 384,000 | 577,000 | 780,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 120,000 | 237,000 | 382,000 | 480,000 |
| Income tax | 40,000 | 77,000 | 127,000 | 165,000 |
| Net income | 80,000 | 160,000 | 255,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,201,000 | 2,281,000 | 2,276,000 | 2,336,000 |
| Total capital | 2,422,000 | 2,502,000 | 2,497,000 | 2,577,000 |
| Risk-weighted assets | 20,531,000 | 21,097,000 | 21,152,000 | 21,451,000 |