Call reports 2015
CENTER POINT BANK AND TRUST COMPANY — 2015
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,836,000 | 33,410,000 | 33,292,000 | 32,437,000 |
| Total loans | 20,513,000 | 20,628,000 | 20,897,000 | 21,007,000 |
| Allowance for loan losses | 256,000 | 228,000 | 238,000 | 235,000 |
| Securities available for sale | 7,348,000 | 7,438,000 | 7,436,000 | 7,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,967,000 | 27,093,000 | 24,751,000 | 27,603,000 |
| Interest-bearing deposits | 22,599,000 | 22,418,000 | 20,384,000 | 23,010,000 |
| Noninterest-bearing deposits | 5,368,000 | 4,675,000 | 4,367,000 | 4,592,000 |
| Equity capital | 2,682,000 | 2,725,000 | 2,655,000 | 2,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 607,000 | 925,000 | 1,242,000 |
| Interest expense | 34,000 | 65,000 | 96,000 | 128,000 |
| Net interest income | 266,000 | 542,000 | 829,000 | 1,114,000 |
| Noninterest income | 26,000 | 52,000 | 75,000 | 96,000 |
| Noninterest expense | 238,000 | 447,000 | 654,000 | 863,000 |
| Provision for loan losses | 14,000 | 27,000 | 61,000 | 95,000 |
| Pretax income | 40,000 | 122,000 | 191,000 | 255,000 |
| Income tax | 8,000 | 30,000 | 45,000 | 58,000 |
| Net income | 32,000 | 92,000 | 146,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,660,000 | 2,719,000 | 2,648,000 | 2,699,000 |
| Total capital | 2,916,000 | 2,947,000 | 2,886,000 | 2,934,000 |
| Risk-weighted assets | 22,383,000 | 23,213,000 | 23,497,000 | 23,488,000 |