Call reports 2012
CENTER POINT BANK AND TRUST COMPANY — 2012
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,028,000 | 31,535,000 | 31,909,000 | 33,328,000 |
| Total loans | 22,804,000 | 21,261,000 | 21,020,000 | 20,226,000 |
| Allowance for loan losses | 315,000 | 159,000 | 130,000 | 204,000 |
| Securities available for sale | 5,353,000 | 5,634,000 | 6,714,000 | 9,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,146,000 | 28,563,000 | 27,281,000 | 29,856,000 |
| Interest-bearing deposits | 24,710,000 | 24,389,000 | 22,884,000 | 25,127,000 |
| Noninterest-bearing deposits | 4,436,000 | 4,174,000 | 4,397,000 | 4,729,000 |
| Equity capital | 2,602,000 | 2,750,000 | 3,009,000 | 2,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 754,000 | 1,110,000 | 1,468,000 |
| Interest expense | 79,000 | 161,000 | 237,000 | 306,000 |
| Net interest income | 331,000 | 593,000 | 873,000 | 1,162,000 |
| Noninterest income | 46,000 | 93,000 | 127,000 | 172,000 |
| Noninterest expense | 216,000 | 411,000 | 609,000 | 908,000 |
| Provision for loan losses | 26,000 | 765,000 | 801,000 | 871,000 |
| Pretax income | 135,000 | -460,000 | -380,000 | -415,000 |
| Income tax | 57,000 | -242,000 | -234,000 | -182,000 |
| Net income | 78,000 | -218,000 | -152,000 | -239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,468,000 | 2,621,000 | 2,687,000 | 2,600,000 |
| Total capital | 2,763,000 | 2,780,000 | 2,816,000 | 2,804,000 |
| Risk-weighted assets | 22,803,000 | 22,153,000 | 21,808,000 | 21,203,000 |