Call reports 2013
CENTER POINT BANK AND TRUST COMPANY — 2013
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 33,598,000 | 33,382,000 | 32,484,000 | 32,681,000 |
| Total loans | 19,301,000 | 19,346,000 | 19,389,000 | 20,035,000 |
| Allowance for loan losses | 157,000 | 326,000 | 573,000 | 218,000 |
| Securities available for sale | 7,752,000 | 8,283,000 | 7,894,000 | 7,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,372,000 | 30,247,000 | 28,049,000 | 27,747,000 |
| Interest-bearing deposits | 25,863,000 | 25,973,000 | 23,804,000 | 23,776,000 |
| Noninterest-bearing deposits | 4,509,000 | 4,274,000 | 4,245,000 | 3,970,000 |
| Equity capital | 2,853,000 | 2,833,000 | 2,539,000 | 2,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 726,000 | 1,158,000 | 1,484,000 |
| Interest expense | 63,000 | 126,000 | 190,000 | 232,000 |
| Net interest income | 288,000 | 600,000 | 968,000 | 1,252,000 |
| Noninterest income | 50,000 | 63,000 | 5,000 | 32,000 |
| Noninterest expense | 206,000 | 430,000 | 674,000 | 925,000 |
| Provision for loan losses | 6,000 | 143,000 | 401,000 | 417,000 |
| Pretax income | 126,000 | 90,000 | -102,000 | -58,000 |
| Income tax | 23,000 | 5,000 | -76,000 | -70,000 |
| Net income | 103,000 | 85,000 | -26,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,703,000 | 2,685,000 | 2,574,000 | 2,612,000 |
| Total capital | 2,859,000 | 2,974,000 | 2,863,000 | 2,830,000 |
| Risk-weighted assets | 22,573,000 | 22,312,000 | 22,043,000 | 22,788,000 |