Call reports 2016
CENTER POINT BANK AND TRUST COMPANY — 2016
What CENTER POINT BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 32,932,000 | 33,913,000 | 33,408,000 | 32,714,000 |
| Total loans | 21,291,000 | 21,030,000 | 21,344,000 | 21,424,000 |
| Allowance for loan losses | 219,000 | 258,000 | 267,000 | 253,000 |
| Securities available for sale | 7,181,000 | 8,036,000 | 7,915,000 | 7,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,995,000 | 30,017,000 | 27,327,000 | 27,721,000 |
| Interest-bearing deposits | 25,778,000 | 26,071,000 | 23,629,000 | 23,553,000 |
| Noninterest-bearing deposits | 4,217,000 | 3,946,000 | 3,697,000 | 4,168,000 |
| Equity capital | 2,631,000 | 2,797,000 | 2,551,000 | 2,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 315,000 | 635,000 | 951,000 | 1,278,000 |
| Interest expense | 36,000 | 75,000 | 114,000 | 156,000 |
| Net interest income | 279,000 | 560,000 | 837,000 | 1,122,000 |
| Noninterest income | 34,000 | 188,000 | 217,000 | 234,000 |
| Noninterest expense | 235,000 | 461,000 | 699,000 | 940,000 |
| Provision for loan losses | 9,000 | 48,000 | 57,000 | 66,000 |
| Pretax income | 69,000 | 239,000 | 298,000 | 350,000 |
| Income tax | 16,000 | 69,000 | 82,000 | 91,000 |
| Net income | 53,000 | 170,000 | 216,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,603,000 | 2,720,000 | 2,466,000 | 2,508,000 |
| Total capital | 2,822,000 | 2,978,000 | 2,733,000 | 2,761,000 |
| Risk-weighted assets | 24,184,000 | 23,922,000 | 24,096,000 | 24,063,000 |