Call reports 2014
CENTER POINT BANK AND TRUST COMPANY — 2014
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 31,711,000 | 31,550,000 | 31,399,000 | 33,061,000 |
| Total loans | 19,061,000 | 19,172,000 | 19,206,000 | 20,220,000 |
| Allowance for loan losses | 234,000 | 246,000 | 293,000 | 242,000 |
| Securities available for sale | 7,878,000 | 7,489,000 | 7,539,000 | 7,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,705,000 | 28,427,000 | 25,873,000 | 27,797,000 |
| Interest-bearing deposits | 23,682,000 | 24,062,000 | 21,291,000 | 22,641,000 |
| Noninterest-bearing deposits | 4,023,000 | 4,366,000 | 4,582,000 | 5,156,000 |
| Equity capital | 2,671,000 | 2,741,000 | 2,609,000 | 2,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 372,000 | 676,000 | 962,000 | 1,266,000 |
| Interest expense | 44,000 | 84,000 | 123,000 | 165,000 |
| Net interest income | 328,000 | 592,000 | 839,000 | 1,101,000 |
| Noninterest income | 14,000 | 59,000 | 164,000 | 194,000 |
| Noninterest expense | 221,000 | 496,000 | 783,000 | 1,063,000 |
| Provision for loan losses | 16,000 | 28,000 | 278,000 | 310,000 |
| Pretax income | 105,000 | 127,000 | -37,000 | -57,000 |
| Income tax | 4,000 | 11,000 | -55,000 | -72,000 |
| Net income | 101,000 | 116,000 | 18,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,714,000 | 2,737,000 | 2,639,000 | 2,628,000 |
| Total capital | 2,948,000 | 2,983,000 | 2,906,000 | 2,870,000 |
| Risk-weighted assets | 21,074,000 | 21,278,000 | 21,285,000 | 22,845,000 |