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SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ---------- FORM 11-K (Mark One) [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2005 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED] For the transition period from _______________ to _________________ COMMISSION FILE NUMBER 1-3187 A. Full title of the plan and address of the plan, if different from that of the issuer named below: CENTERPOINT ENERGY SAVINGS PLAN B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: CENTERPOINT ENERGY, INC. 1111 LOUISIANA STREET HOUSTON, TEXAS 77002

TABLE OF CONTENTS Report of Independent Registered Public Accounting Firm Page 1 Financial Statements: Statements of Net Assets Available for Benefits, December 31, 2005 and 2004 Page 2 Statement of Changes in Net Assets Available for Benefits for the Year Ended December 31, 2005 Page 3 Notes to Financial Statements Page 4 Supplemental Schedules: Schedule H, line 4a-Schedule of Delinquent Contributions for the Year Ended December 31, 2005 Page 10 Schedule H, line 4i-Schedule of Assets (Held at End of Year), December 31, 2005 Page 11 Pursuant to Item 4 of Form 11-K, the financial statements and schedules referred to above have been prepared in accordance with regulations of the Employee Retirement Income Security Act of 1974. Other supplemental schedules required by Section 2520.103-10 of the Department of Labor Rules and Regulations for Reporting and Disclosure under ERISA have been omitted because they are not applicable.

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM CenterPoint Energy Savings Plan We have audited the accompanying statement of net assets available for benefits of the CenterPoint Energy Savings Plan (Plan) as of December 31, 2005 and 2004 and the related statement of changes in net assets available for benefits for the year ended December 31, 2005. These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on these financial statements based on our audits. We conducted our audits in accordance with standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion. In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2005 and 2004 and the changes in net assets available for benefits for the year ended December 31, 2005 in conformity with accounting principles generally accepted in the United States of America. Our audits were conducted for the purpose of forming an opinion on the basic financial statements taken as a whole. The accompanying supplemental schedules, listed in the Table of Contents, are presented for the purpose of additional analysis and are not a required part of the basic financial statements, but are supplementary information required by the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. The supplemental schedules are the responsibility of the Plan's management. The supplemental schedules have been subjected to the auditing procedures applied in our audit of the basic financial statements and, in our opinion, are fairly stated in all material respects in relation to the basic financial statements taken as a whole. /s/ McConnell & Jones, LLP Houston, Texas June 9, 2006 1

CENTERPOINT ENERGY SAVINGS PLAN STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS DECEMBER 31, ------------------------------- 2005 2004 -------------- -------------- ASSETS Investments $1,163,864,074 $1,110,861,275 -------------- -------------- Participant loans 34,276,549 31,923,161 -------------- -------------- Receivables: Dividends and interest 890,741 1,217,426 Pending investment transactions 4,695,563 945,406 Employer contributions 14,413,501 714,040 Participant contributions 2,038,490 1,338,580 -------------- -------------- Total receivables 22,038,295 4,215,452 -------------- -------------- Total Assets 1,220,178,918 1,146,999,888 -------------- -------------- LIABILITIES Pending investment transactions 1,416,604 194,246 Other 328,714 236,684 -------------- -------------- Total Liabilities 1,745,318 430,930 -------------- -------------- NET ASSETS AVAILABLE FOR BENEFITS $1,218,433,600 $1,146,568,958 ============== ============== See Notes to Plan's Financial Statements. 2

CENTERPOINT ENERGY SAVINGS PLAN STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS FOR THE YEAR ENDED DECEMBER 31, 2005 INVESTMENT GAIN: Dividends $19,028,584 Interest 6,245,033 Net appreciation of investments 42,040,047 ----------- Total investment gain $ 67,313,664 CONTRIBUTIONS: Participant contributions 41,003,669 Employer contributions 47,545,008 ----------- Total contributions 88,548,677 Administrative expenses (1,994,719) Plan to plan transfers (203,937) Benefit payments (81,799,043) -------------- INCREASE IN NET ASSETS AVAILABLE FOR BENEFITS 71,864,642 NET ASSETS AVAILABLE FOR BENEFITS: BEGINNING OF PERIOD 1,146,568,958 -------------- END OF PERIOD $1,218,433,600 ============== See Notes to Plan's Financial Statements. 3

CENTERPOINT ENERGY SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS 1. SUMMARY OF THE PLAN Description of the Plan The following description of the CenterPoint Energy Savings Plan (Plan) provides only general information. Participants should refer to the Plan document for a more complete description of the Plan's provisions. In the case of any discrepancy between this summary and the Plan document, the Plan's provisions will govern. General The Plan is a defined contribution plan covering all employees of CenterPoint Energy, Inc. (Company or CenterPoint Energy) and those subsidiaries and affiliates of the Company that have adopted the Plan except (a) building trades workers under a construction industry collective bargaining agreement, (b) leased employees, (c) independent contractors or (d) non-resident aliens who receive no U.S. sourced income. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). Contributions Active Participants may contribute up to 16% of eligible compensation, as defined in the Plan. Active Participants age 50 or over may contribute an additional pre-tax contribution up to a total amount of $4,000 for 2005. Participants may also contribute amounts representing rollover eligible distributions from other defined benefit or defined contribution plans, 403(b) annuity plans, 457 governmental plans or conduit Individual Retirement Accounts that have been holding a distribution from a qualified plan. Participants direct their contributions into the various eligible investment options offered by the Plan. In general, the employer matching contribution is 75% of the first 6% of eligible compensation that the Participant contributes into the Plan. Additional discretionary matching contributions may be made of up to 50% of the first 6% of eligible compensation that the Participant contributes to the Plan. All employer matching contributions (including the discretionary match) are fully vested at all times. Participants may elect to invest all or a portion of their contributions to the Plan in the Company common stock fund. In addition, Participants may elect to have dividends paid on their investment in Company common stock either reinvested in the Company stock fund or paid to them in cash, and they can transfer all or part of their investment in the Company common stock fund to the other investment options offered by the Plan with the exception of the Reliant Energy, Inc. (Reliant Energy) common stock fund. Employer contributions are made in the form of cash and are invested in accordance with Participant elections. Contributions are subject to certain limitations. 4

Investment Options The Plan offered the following investment funds (Funds): - Company Common Stock Fund - Large Company Growth Fund - Large Company Value Fund - International Equity Fund - Balanced Fund - Fixed Income Fund - Stable Value Fund - S&P 500 Index Fund - Small Company Fund - Reliant Energy Common Stock Fund - Vanguard Target Retirement 2005 Fund - Vanguard Target Retirement 2015 Fund - Vanguard Target Retirement 2025 Fund - Vanguard Target Retirement 2035 Fund - Vanguard Target Retirement 2045 Fund Upon enrollment in the Plan, Participants may direct contributions (as permitted), in 1% increments, in any of the investment options, except for the Reliant Energy Common Stock Fund which is closed to new contributions. Participants should refer to the Plan prospectus for a detailed description of each investment fund. Participant Accounts Individual accounts are maintained for each Participant. Each Participant's account is credited with the Participant's contributions and with allocations of the Company contributions and Plan earnings. Each Participant's account is also charged with an allocation of administrative expenses. Allocations are based on Participant account balances. A Participant is entitled to their vested account balance. Vesting and Forfeitures Participants are vested immediately in all contributions plus actual earnings thereon. As a result, there are no forfeitures available to reduce employer contributions. Participant Loans A Participant may borrow against their vested account balance. The maximum amount that a Participant may borrow is the lesser of (a) $50,000, reduced by the excess, if any, of the highest outstanding balance of loans to the Participant from all plans maintained by the Company or an affiliated entity during the one-year period ending on the day before the date on which such loan is made over the outstanding balance of loans from the Plan on the date on which such loan is made or (b) 50% of the value of the Participant's vested account balance under the Plan. The loans are to be secured by the pledge of a portion of the Participant's right, title and value of the Participant's vested account balance under the Plan as determined immediately after the loans are made. Loans may be repaid over a period of up to five years and are subject to a $25 origination fee. The minimum loan amount is $500. Interest rates are fixed at the prime rate listed in The Wall Street Journal for the first of each month in which the loan is requested plus one percent. Loan transactions are treated as a transfer to (from) the investment fund from (to) the Participant loans fund. 5

Payment of Benefits Upon termination, a Participant whose account exceeds $1,000 may elect, upon written request at any time, to receive a distribution in a single lump sum payment or fixed monthly, quarterly, semi-annually or annual installments over a period of ten years or less. The Participant may have the above selected distribution option paid in the form of cash, Company or Reliant Energy common stock or in any combination. Generally, to the extent a Participant has not requested a distribution by the time he reaches age 70 1/2, required minimum distributions will be made consistent with the terms and conditions of the Plan and the requirements of the Internal Revenue Code of 1986, as amended (Code). Immediate lump sum distributions are made for accounts which do not exceed $1,000. A Participant who is under age 59 1/2 may make a withdrawal from amounts attributable to after-tax contributions and, if applicable, rollover contributions in the Plan and associated earnings. A Participant who is under age 59 1/2 and has less than five years of service who withdraws matched after-tax contributions will be suspended from Plan participation for six months. A Participant who is age 59 1/2 or older may make unlimited withdrawals from pre-tax contributions, after-tax contributions, vested portion of prior Plan accounts, rollover account and the associated earnings. Administration The assets of the Plan are held in trust by The Northern Trust Company (Trustee). Hewitt Associates is the recordkeeper for the Plan. The Benefits Committee of CenterPoint Energy, Inc. (Committee), appointed by the Board of Directors of the Company, is the Plan administrator. The Committee retains an independent investment consultant to provide investment advice with respect to the Funds. The fees charged by the Trustee and the investment consultant are paid by the Trustee out of the Funds. Termination of the Plan Although it has not expressed any intent to do so, the Company may terminate the Plan at any time subject to the provisions of ERISA and must give written notice to the Trustee. 2. ACCOUNTING POLICIES Basis of Accounting The accompanying financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America. Investment Valuation and Income Recognition The Plan recognizes net appreciation or depreciation in the fair value of its investments. Investments are reflected at fair value in the financial statements except for stable value investments that are reflected at book value (see Note 4). The fair value for securities are based on quoted market prices in an active market. Fair value for mutual and institutional funds are determined using the net asset value of each fund as of the financial statement dates. Security transactions are recorded as of the trade date. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Participant loans are valued at cost, which approximates fair value. Payment of Benefits Benefits are recorded when paid. 6

Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires Plan management to make estimates and assumptions that affect the reported amounts of net assets available for benefits and the changes therein as well as certain disclosures. Actual results could differ from those estimates. Risks and Uncertainties The Plan provides for investments in Company common stock, various mutual funds and other investments. Investments, in general, are exposed to various risks, such as interest rate, credit and overall market volatility risk. Due to the level of risk associated with certain investments, it is reasonably possible that changes in the values of investments will occur in the near term and that such changes could materially affect the amounts reported in the statements of net assets available for benefits and Participant account balances. Rates of return will vary, and returns will depend on the market value of the Plan's investments. 3. INVESTMENTS The following presents investments that represent five percent or more of the Plan's net assets available for benefits. DECEMBER 31, --------------------------- 2005 2004 ------------ ------------ Company common stock, 27,720,006 and 27,565,537 shares, respectively $356,202,077 $311,490,568 Reliant Energy common stock, 8,766,917 and 10,070,967 shares 90,474,583 137,468,700 PIMCO Total Return Fund, 6,808,085 and 9,107,057 shares, respectively 71,484,891 97,172,302 Barclays Global Investors Equity Index Fund, 5,017,019 and 5,139,414 shares, respectively 89,704,294 87,524,213 During 2005 the Plan's investments (including gains and losses on investments bought and sold, as well as held during the year) appreciated in value as follows: Common stocks $15,760,127 Common or collective trusts 16,452,097 Mutual funds 9,827,823 ----------- $42,040,047 =========== As detailed above, the Plan has significant holdings of Company common stock. As a result, the values of the Plan's investments may be materially impacted by the changes in fair value related to this security. 7

4. STABLE VALUE FUND The Company has a Stable Value Fund that has investments in synthetic guaranteed investment contracts as well as short and intermediate-term fixed income investments. The contract value and fair value of the fund were $120,196,385 and $118,053,146, respectively as of December 31, 2005. Total interest income of the Stable Value Fund totaled $4,667,100 for the year ended December 31, 2005. The crediting interest rates ranged from 3.8% to 4.3% for the year ended December 31, 2005. The fund's blended rate of return was 4.1% in 2005. The crediting rates for synthetic contracts are reset quarterly and are based on the market value of the underlying portfolio of assets backing these contracts. Inputs used to determine the crediting rate include each contract's portfolio value, current yield to maturity, duration and market value relative to the synthetic contract's book value. 5. TAX STATUS The Internal Revenue Service (IRS) has determined and informed the Company by letter dated April 2, 2001 that the Plan is qualified and the trust fund established is tax-exempt under the appropriate sections of the Code. Although the Plan has been amended and restated since receiving the determination letter, the Plan administrator and the Plan sponsor's counsel believe that the Plan is designed and is currently operated in compliance with the applicable requirements of the Code. 6. RELATED PARTY TRANSACTIONS During 2005, the Plan purchased and sold shares of the Company's common stock and units of short-term investment funds managed by the Trustee as temporary investments (party-in-interest transactions) as shown below: 2005 ------------ Purchases Company common stock $ 41,834,084 Northern Trust collective short-term investment fund 301,162,848 Sales Company common stock $ 37,490,737 Northern Trust collective short-term investment fund 304,000,076 7. TRANSFER OF PLAN ASSETS In July 2004, the Company announced its agreement to sell its majority owned subsidiary, Texas Genco Holdings, Inc. (Texas Genco), to Texas Genco LLC (formerly known as GC Power Acquisition LLC), an entity owned in equal parts by affiliates of the Blackstone Group, Hellman & Friedman LLC, Kohlberg Kravis Roberts & Co. and Texas Pacific Group. Associated with the sale agreement, the Company created a stand-alone savings plan for Plan participants impacted by the Texas Genco sale and initiated during October 2004 a plan-to-plan asset transfer totaling $224,724,975. During 2005, the Plan transferred an additional $203,937 in plan assets to Texas Genco Savings Plan. The Committee believes that the asset transfer was a tax-exempt transaction under the Code. 8

8. RECONCILIATION OF FINANCIAL STATEMENTS TO FORM 5500 In August 2005, the plan sponsor made an additional employer contribution of $13,063,871 that is reflected on Form 5500 but not on the financial statements as of and for the year ended December 31, 2004. The following is a reconciliation of net assets available for benefits per the financial statements to Form 5500: DECEMBER 31, 2005 DECEMBER 31, 2004 ----------------- ----------------- Net assets available for benefits per the financial statements $1,218,433,600 $1,146,568,958 Employer contribution -- 13,063,871 -------------- -------------- Net assets available for benefits per Form 5500 $1,218,433,600 $1,159,632,829 ============== ============== The following is a reconciliation of the changes in net assets available for benefits per the financial statements to Form 5500 for the year ended December 31, 2005: Employer contributions per the financial statements $ 47,545,008 Less: Employer contribution reflected on prior year Form 5500 (13,063,871) ------------ Employer contributions per Form 5500 $ 34,481,137 ============ 9. EXCESS CONTRIBUTIONS Benefit payments of $81,799,043 for the plan year ended December 31, 2005 include distributions of $339,797 made to certain Participants to refund excess deferral contributions to satisfy the relevant nondiscrimination provisions of the Plan for the prior year. The Plan also expects to refund $226,534 in 2006 related to excess contributions for plan year 2005. 9

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4A SCHEDULE OF DELINQUENT PARTICIPANT CONTRIBUTIONS FOR THE YEAR ENDED DECEMBER 31, 2005 Total that constitute nonexempt prohibited transactions Participant --------------------------------------------------------------- contributions Contributions transferred Contributions not Contributions pending correction Total corrected under Plan Year late to plan corrected corrected outside VFCP in VFCP VFCP and PTE 2002-51 - --------- ------------- ----------------- ---------------------- ------------------ --------------------- 2005 $67,412 -- $67,412 -- -- 10

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- COMMON OR COLLECTIVE TRUSTS BARCLAYS GLOBAL INVESTORS BGI EQUITY INDEX FUND $ 89,704,294 BARCLAYS GLOBAL INVESTORS BGI RUSSELL 1000 GROWTH FUND 25,983,637 BARCLAYS GLOBAL INVESTORS BGI RUSSELL 1000 VALUE FUND 32,700,208 BARCLAYS GLOBAL INVESTORS BGI RUSSELL 2000 INDEX FUND 8,332,971 CAPITAL GUARDIAN CAPITAL GUARDIAN INTERNATIONAL (NON-US) EQUITY FUND 35,118,648 CAPITAL GUARDIAN CAPITAL GUARDIAN U.S. SMALL CAPITALIZATION FUND 8,045,092 CAPITAL GUARDIAN CAPITAL GUARDIAN US GROWTH EQUITY FUND 43,199,868 MELLON BANK EB DAILY LIQUIDITY AGGREGATE BOND FUND 29,598,266 NORTHERN TRUST NORTHERN TRUST COLLECTIVE SHORT-TERM INVESTMENT FUND 7,876,803 SEI SEI STABLE ASSET FUND 7,465,643 -------------- SUBTOTAL 288,025,430 -------------- COMMON STOCKS AT ROAD INC COMMON STOCK 79,234 1ST REPUBLIC BANK CORP COMMON STOCK 203,555 ABBOT LABS COMMON STOCK 981,807 ABERCROMBIE & FITCH COMMON STOCK CLASS A 423,670 ABOBE SYTEMS INC COMMON STOCK 232,848 ACCENTURE LTD BERMUDA COMMON STOCK CLASS A 435,937 ACTUANT CORP COMMON STOCK CLASS A 117,180 ADVANCE AUTO PARTS INC COMMON STOCK 96,047 ADVANCED DIGITAL INFORMATION CORP COMMON STOCK 77,733 ADVANTA CORP COMMON STOCK CLASS A 162,200 ADVENT SOFTWARE INC COM STK COMMON STOCK 51,749 ADVISORY BOARD CO COMMON STOCK 48,147 AFFILIATED MANAGERS GROUP INC COMMON STOCK 121,980 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 290,031 AKAMAI TECHNOLOGIES INC COM STK COMMON STOCK 136,919 ALAMOSA HOLDINGS INC COMMON STOCK 789,064 ALERIS INTL INC COM COM COMMON STOCK 82,534 ALEXANDER & BALDWIN INC COM COMMON STOCK 111,192 ALEXANDRIA REAL ESTATE EQUITIES INC COMMON STOCK 143,290 ALLEGHENY TECHNOLOGIES INC COMMON STOCK 85,149 ALLETE INC COMMON STOCK 108,680 ALLIANCE DATA SYSTEMS CORP COMMON STOCK 65,504 ALTERA CORP COMMON STOCK 528,105 ALTRIA GROUP INC COMMON STOCK 911,584 AMERCO COMMON STOCK 164,274 AMERICAN INTERNATIONAL GROUP INC COMMON STOCK 798,291 AMERITRADE HOLDING CORP COMMON STOCK 180,000 AMERN COMMERCIAL LINES INC COMMON STOCK 118,434 11

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- AMETEK INC NEW COM COMMON STOCK 78,274 AMGEN INC COMMON STOCK 1,127,698 AMLYLIN PHARMACEUTICALS INC COMMON STOCK 319,360 AMR CORP COMMON STOCK 82,918 ANALOGIC CORP COMMON STOCK PAR $.05 173,695 APEX SILVER MINE LTD COM STK COMMON STOCK 97,944 APOLLO INVESTMENT CORP COMMON STOCK 81,044 AQUA AMERICA INC COMMON STOCK 113,459 AQUANTIVE INC COMMON STOCK 82,787 ARCH COAL INC COMMON STOCK 103,350 ARRIS GROUP INC COMMON STOCK 49,717 ASTEC INDS INC COMMON STOCK 107,451 ATMI INC COMMON STOCK 53,423 AVERY DENNISON CORP COMMON STOCK 386,890 AVIALL INC COMMON STOCK 59,328 BALL CORP COMMON STOCK 452,808 BANK OF HAWAII CORP COMMON STOCK 76,279 BAXTER INTERNATIONAL INC COMMON STOCK 606,165 BENCHMARK ELECTRONICS INC COMMON STOCK 57,171 BEVERLY HILLS BANCORP COMMON STOCK 45,524 BIOMED REALTY TRUST INC COMMON STOCK 125,660 BISYS GROUP INC COMMON STOCK 330,636 BLUE COAT SYSTEMS INC COMMON STOCK 48,463 BOEING CO COMMON STOCK 575,968 BRIGHTPOINT INC COMMON STOCK 175,947 BROADCOM CORP COMMON STOCK CLASS A 424,350 C H ROBINSON WORLDWIDE INC COMMON STOCK 436,954 CANADIAN NATIONAL RAILWAY CO COMMON STOCK 383,952 CAPITALSOURCE INC COMMON STOCK 745,920 CARDINAL HEALTH INC COMMON STOCK 859,375 CARRIZO OIL & GAS INC COMMON STOCK 48,184 CASEYS GEN STORES INC COMMON STOCK 151,032 CATERPILLAR INC COMMON STOCK 410,167 CB RICHARD ELLIS GROUP INC COMMON STOCK CLASS A 98,279 * CENTERPOINT ENERGY INC COMMON STOCK 356,202,077 CEPHALON INC COMMON STOCK 622,799 CERNER CORP COMMON STOCK 130,001 CHEESECAKE FACTORY INC COMMON STOCK 75,902 CLEVELAND CLIFFS COMMON STOCK PAR $1.00 139,941 CNET NETWORKS INC COMMON STOCK 96,513 COGENT INC COMMON STOCK 46,721 COLDWATER CREEK INC COMMON STOCK 81,515 COLONIAL BANCGROUP INC COMMON STOCK 64,552 COLUMBIA EQUITY TRUST INC COMMON STOCK 93,993 COMCAST CORP COMMON STOCK CLASS A 159,278 COMMUNITY HEALTH SYSTEMS INC COMMON STOCK 101,601 COMPUWARE CORP COMMON STOCK 283,452 12

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- COMSTOCK RESOURCES INC COMMON STOCK 154,381 CONSOLIDATED GRAPHICS INC COMMON STOCK 126,398 CONSTELLATION BRANDS COMMON STOCK CLASS A 1,537,078 CON-WAY INC COMMON STOCK 363,285 CORNING INC COMMON STOCK 988,898 CORPORATE OFFICE PROPERTIES TRUST COMMON STOCK 128,655 COVANCE INC COMMON STOCK 93,701 COVANTA HOLDINGS CORP COMMON STOCK 111,745 CROWN CASTLE INTL CORP COMMON STOCK 54,896 CROWN HLDGS INC COMMON STOCK 100,384 DADE BEHRING HLDGS INC COMMON STOCK 106,723 DAVITA INC COMMON STOCK 102,799 DELL INC COMMON STOCK 1,367,544 DELPHI FINANCIAL GROUP INC COMMON STOCK CLASS A 89,259 DIAMOND FOODS INC COMMON STOCK 60,496 DOMINOS PIZZA INC COMMON STOCK 121,484 DRESS BARN INC COMMON STOCK 58,301 DRS TECHNOLOGIES INC COMMON STOCK 121,351 DST SYSTEMS INC COMMON STOCK 527,208 DSW INC COMMON STOCK CLASS A 96,490 E W BANCORP INC COMMON STOCK 70,061 EASTGROUP PROPERTIES INC COMMON STOCK 146,318 EATON VANCE CORP COMMON STOCK NON-VOTING 62,654 EDO CORP COMMON STOCK 97,687 EL PASO ELECTRIC CO COMMON STOCK 106,462 ELAN CORP PLC ADR 126,763 ELECTRONIC ARTS INC COMMON STOCK 627,720 ELECTRONICS FOR IMAGING INC COMMON STOCK 104,843 ELI LILLY & CO COMMON STOCK 848,850 ENDO PHARMACEUTICALS HOLDINGS INC COMMON STOCK 132,236 ENERGEN CORP COMMON STOCK 87,168 F5 NETWORKS INC COMMON STOCK 82,354 FAIRCHILD SEMICONDUCTOR INTL INC COMMON STOCK 568,007 FDRY NETWORKS INC COMMON STOCK 163,648 FIDELITY BANKSHARES INC COMMON STOCK 146,169 FIDELITY BANKSHARES INC COMMON STOCK 93,195 FL ROCK INDS INC COMMON STOCK 63,778 FLOWERS FOODS INC COMMON STOCK 118,784 FORREST LAB INC COMMON STOCK 532,908 FOSTER WHEELER LTD COMMON STOCK 55,538 FOUNDATION COAL HOLDINGS INC COMMON STOCK 142,880 FPIC INSURANCE GROUP INC COMMON STOCK 126,308 FREESCALE SEMICONDUCTOR INC COMMON STOCK CLASS B 25 FREIGHTCAR AMERICA INC COMMON STOCK 61,062 FTI CONSULTING INC COMMON STOCK 190,159 GAMESTOP CORP COMMON STOCK CLASS A 71,913 GAP INC COMMON STOCK 195,804 13

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- GARDNER DENVER INC COMMON STOCK 134,589 GASCO ENERGY INC COMMON STOCK 37,613 GATX CORP COMMON STOCK 66,387 GAYLORD ENTERTAINMENT CO COMMON STOCK 92,411 GEN CABLE CORP COMMON STOCK 56,539 GENERAL ELECTRIC CO COMMON STOCK 2,124,030 GERBER SCIENTIFIC INC COMMON STOCK 117,137 GILEAD SCIENCES INC COMMON STOCK 515,774 GLOBAL PAYMENTS INC COMMON STOCK 179,448 GMX RESOURCES INC COMMON STOCK 75,240 GOLDEN WEST FINANCIAL CORP COMMON STOCK 660,000 GOOGLE INC COMMON STOCK CLASS A 985,293 GRANT PRIDECO INC COMMON STOCK 62,209 GREENHILL & CO INC COMMON STOCK 126,360 GRIFFON CORP COMMON STOCK 157,384 GYMBOREE CORP COMMON STOCK 73,008 HALLIBURTON CO COMMON STOCK 805,480 HANMI FINANCIAL CORP COMMON STOCK 53,759 HANOVER INSURANCE GROUP INC COMMON STOCK 141,600 HANSEN NATURAL CORP COMMON STOCK 102,453 HARSCO CORP COMMON STOCK 95,864 HAWK CORP COMMON STOCK CLASS A 126,309 HCC INS HOLDINGS INC COMMON STOCK 100,615 HEIDRICK & STRUGGLES INTL INC COMMON STOCK 60,254 HERBALIFE LTD COMMON STOCK 70,894 HERITAGE COMM CORP COMMON STOCK 150,070 HERSHEY CO COMMON STOCK 331,500 HORIZON HEALTH CORP COMMON STOCK 40,055 HYDRIL CO COMMON STOCK 130,208 ILLINOIS TOOL WORKS INC COMMON STOCK 527,940 INDYMAC BANCORP INC COMMON STOCK 491,652 INTEL CORP COMMON STOCK 1,170,624 INTERGRAPH CORP COMMON STOCK 67,243 INTERNATIONAL BUSINESS MACHINES CORP COMMON STOCK 937,080 INTRADO INC COMMON STOCK 43,278 INVESTMENT TECHOLOGY GROUP INC COMMON STOCK 153,101 ITRON INC COMMON STOCK 60,861 JACOBS ENGR GROUP INC COMMON STOCK 71,942 JARDEN CORP COMMON STOCK 61,807 JDS UNIPHASE CORP COMMON STOCK 99,993 JEFFERIES GROUP INC COMMON STOCK 52,177 JLG INDUSTRIES INC COMMON STOCK 80,818 JONES LANG LASALLE INC COMMON STOCK 90,630 JOY GLOBAL INC COMMON STOCK 165,600 KAMAN CORP COMMON STOCK 98,647 KANSAS CITY SOUTHERN COMMON STOCK 75,489 KEYSTONE AUTOMOTIVE INDUSTIRES INC COMMON STOCK 96,644 14

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- KILROY REALTY CORP COMMON STOCK 187,557 KIRBY CORP COMMON STOCK 111,122 KOHLS CORP COMMON STOCK 840,780 LADISH INC COMMON STOCK 120,243 LAIDLAW INTL INC COMMON STOCK 77,356 LAM RESEARCH CORP COMMON STOCK 50,666 LANCE INC COMMON STOCK 108,613 LAS VEGAS SANDS CORP COMMON STOCK 335,495 LASALLE HOTEL PROPERTIES COMMON STOCK 75,276 LEAP WIRELESS INTL INC COMMON STOCK 103,412 LENNOX INTL INC COMMON STOCK 107,442 LIBERTY GLOBAL INC COMMON STOCK SERIES A 312,750 LIBERTY GLOBAL INC COMMON STOCK SERIES C 294,680 LIONBRIDGE TECHNOLOGIES INC COMMON STOCK 61,004 LOCKHEAD MARTIN CORP COMMON STOCK 254,520 LONE STAR TECHNOLOGIES INC COMMON STOCK 127,600 MAGUIRE PPTYS INC COMMON STOCK 117,420 MARKETAXESS HOLDINGS INC COMMON STOCK 132,016 MCDERMOTT INTL INC COMMON STOCK PAR $1.00 128,923 MCKESSON CORP COMMON STOCK 1,104,026 MDU RESOURCES GROUP INC COMMON STOCK 64,498 MEDTRONIC INC COMMON STOCK 995,961 MERCURTY INTERACTIVE CORP COMMON STOCK 575,253 MERITAGE HOMES CORP COMMON STOCK 780,208 MICHAELS STORES INC COMMON STOCK 509,328 MICROSEMI CORP COMMON STOCK 89,065 MICROSOFT CORP COMMON STOCK 1,948,175 MILLENNIUM PHARMACEUTICALS INC COMMON STOCK 595,580 MONEYGRAM INTL INC COMMON STOCK 83,978 MONSTER WORLDWIDE INC COMMON STOCK 119,194 MPS GROUP INC COMMON STOCK 60,968 NAM TAI ELECTRONICS INC COMMON STOCK PAR $.01 78,525 NASDAQ STK MKT INC COMMON STOCK 526,293 NELNET INC COMMON STOCK CLASS A 85,835 NET 1 UEPS TECHNOLOGIES INC COMMON STOCK 77,030 NII HLDGS INC COMMON STOCK CLASS B 164,237 NIKE INC COMMON STOCK CLASS B 381,876 NOBLE ENERGY INC COMMON STOCK 419,120 NOKIA CORP ADR 1,196,820 NORDSON CORP COMMON STOCK 118,694 OFFICE DEPOT INC COMMON STOCK 342,260 OHIO CAS CORP COMMON STOCK 133,954 OIL STS INTL INC COMMON STOCK 150,163 OMNICARE INC COMMON STOCK 157,355 OMNICOM GROUP INC COMMON STOCK 263,903 OPENWAVE SYS INC COMMON STOCK 91,368 OREGON STL MLS INC COMMON STOCK 197,408 15

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- ORIENT-EXPRESS HOTELS COM COMMON STOCK 113,472 OSHKOSH TRUCK CORP COMMON STOCK 43,698 PHH CORP COM COMMON STOCK 118,525 PHOENIX COMPANIES INC COMMON STOCK 111,575 PIONEER DRILLING CO COMMON STOCK 119,593 PLATINUM UNDERWRITERS HOLDINGS INC COMMON STOCK PAR $.01 150,068 PLAYTEX PRODS INC COMMON STOCK 48,802 POLO RALPH LAUREN CORP COMMON STOCK CLASS A 135,859 POLYMEDICA CORP COMMON STOCK 88,696 POWERWAVE TECHNOLOGIES INC COMMON STOCK 75,294 PRIVATEBANCORP INC COMMON STOCK 58,691 PROCTER & GAMBLE CO COMMON STOCK 2,295,926 PROVIDENT BANKSHARES CORP COMMON STOCK 87,127 QUALCOMM INC COMMON STOCK 1,107,156 R H DONNELLEY CORP COMMON STOCK 132,483 RANGE RES CORP COMMON STOCK 129,988 RC2 CORP COMMON STOCK 51,859 RED HAT INC COMMON STOCK 56,659 RELIANT ENERGY INC COMMON STOCK 90,474,583 RES CONNECTION INC COMMON STOCK 70,362 RESMED INC COMMON STOCK 106,502 RESOURCES CONNECTION INC COMMON STOCK 469,080 ROCKWELL COLLINS INC COMMON STOCK 181,233 ROPER INDS INC COMMON STOCK 118,925 ROYAL CARIBBEAN CRUISES COMMON STOCK 423,564 SAFENET INC COMMON STOCK 68,951 SALESFORCE.COM INC COMMON STOCK 112,816 SCHEIN HENRY INC COMMON STOCK 77,243 SCHERING-PLOUGH CORP COMMON STOCK 1,442,820 SCIENTIFIC GAMES CORP COMMON STOCK 88,387 SCRIPPS E W INC COMMON STOCK CLASS A 283,318 SEALED AIR CORP COMMON STOCK 269,616 SEI INVTS CO COMMON STOCK 95,830 SELECTIVE INSURANCE GROUP INC COMMON STOCK 66,906 SIGNATURE BANK COMMON STOCK 122,666 SILICON LABORATORIES INC COMMON STOCK 90,917 SOUND FEDERAL BANCORP INC COMMON STOCK 75,063 SOUTHWESTER AIRLINES CO COMMON STOCK 257,951 SOUTHWESTERN ENERGY CO COMMON STOCK 97,038 SPRINT-NEXTEL CORP COMMON STOCK 23 STAPLES INC COMMON STOCK 1,130,958 STATE STREET CORP COMMON STOCK 343,728 STD MICROSYSTEMS CORP COMMON STOCK 113,326 SUNSTONE HOTEL INVESTORS INC COMMON STOCK 80,241 SVB FINANCIAL GROUP COMMON STOCK 129,278 TALBOTS INC COMMON STOCK 178,048 TARGET CORP COMMON STOCK 175,904 16

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- TAYLOR CAP GROUP INC COMMON STOCK 82,820 TEKTRONIX INC COMMON STOCK 169,260 TELLABS INC COMMON STOCK 94,503 TESORO TESORO CORP 90,478 T-HQ INC COMMON STOCK 111,737 TIDEWATER INC COMMON STOCK 52,463 TIM PARTICIPACOES S A ADR 49,043 TIME WARNER INC COMMON STOCK 191,840 TITANIUM METALS CORP COMMON STOCK 72,116 TODCO COMMON STOCK CLASS A 73,075 TOO INC COMMON STOCK 102,402 TRANSACTION SYSTEMS ARCHITECTS INC COMMON STOCK 54,125 TRIDENT MICROSYSTEMS INC COMMON STOCK 81,180 UMB FINANCIAL CORP COMMON STOCK 109,925 UNITED AMERIC INDEMITY LTD COMMON STOCK 109,793 UNITED TECHNOLOGIES CORP COMMON STOCK 665,329 UNITEDHEALTH GROUP INC COMMON STOCK 1,323,582 UNITEDTHERAPEUTICS CORP COMMON STOCK 53,914 URBAN OUTFITTERS INC COM COMMON STOCK 65,047 VALUECLICK INC COMMON STOCK 70,629 VARIAN SEMICONDUCTOR EQUIPMENT ASSOC INC COMMON STOCK 173,963 VIRGINIA COMMERCE BANCORP INC COMMON STOCK 110,251 VIROPHARMA INC COMMON STOCK 74,386 WA GROUP INTL INC COMMON STOCK 143,019 WABTEC CORP COMMON STOCK 105,986 WALTER INDS INC COMMON STOCK 375,386 WD 40 CO COMMON STOCK 77,730 WELLCARE HLTH PLANS INC COMMON STOCK 108,253 WESCO INTL INC COMMON STOCK 130,754 WEST PHARMACEUTICAL SERVICES INC COMMON STOCK 132,158 WESTERN GAS RESOURCES INC COMMON STOCK 52,741 WILLIAMS SONOMA INC COMMON STOCK 100,971 WINTRUST FINANCIAL CORP COMMON STOCK 79,056 WITNESS SYS INC COMMON STOCK 75,533 WOLVERINE WORLD WIDE INC COMMON STOCK 83,102 WORLD FUEL SERVICE COMMON STOCK PAR $.01 44,173 WSFS FINANCIAL CORP COMMON STOCK 80,238 XEROX CORP COMMON STOCK 564,025 XM SATELLITE RADIO HOLDINGS COMMON STOCK CLASS A 341,000 XTO ENERGY INC COMMON STOCK 333,944 YAHOO INC COMMON STOCK 952,074 YUM BRANDS INC COMMON STOCK 375,040 -------------- SUBTOTAL 523,031,776 -------------- 17

CENTERPOINT ENERGY SAVINGS PLAN EIN 74-0694415 PLAN 015 SCHEDULE H, LINE 4I SCHEDULE OF ASSETS (HELD AT END OF YEAR) DECEMBER 31, 2005 (C) DESCRIPTION OF INVESTMENT INCLUDING (B) IDENTITY OF ISSUE, BORROWER, MATURITY DATE, RATE OF INTEREST, (E) CURRENT (A) LESSOR OR SIMILAR PARTY COLLATERAL, PAR OR MATURITY VALUE VALUE - --- ------------------------------------ --------------------------------------------- -------------- MUTUAL FUNDS ADVISORS INNER CIRCLE LSV VALUE EQUITY FUND 43,628,680 ISHARES RUSSELL 1000 GROWTH INDEX FUND 907,978 LOOMIS SAYLES LOOMIS SAYLES FIXED INCOME FUND 30,299,384 PIMCO PIMCO TOTAL RETURN FUND 71,484,891 SELECTIVE AMERICAN SHARES SELECTED AMERICAN SHARES FUND 53,738,398 TEMPLETON INVESTMENTS TEMPLETON INSTITUTIONAL FOREIGN EQUITIES FUND 22,642,219 VANGUARD VANGUARD TARGET RETIREMENT FUND 1,920,907 VANGUARD VANGUARD TARGET RETIREMENT FUND 2005 3,318,335 VANGUARD VANGUARD TARGET RETIREMENT FUND 2015 6,906,245 VANGUARD VANGUARD TARGET RETIREMENT FUND 2025 3,908,820 VANGUARD VANGUARD TARGET RETIREMENT FUND 2035 1,620,344 VANGUARD VANGUARD TARGET RETIREMENT FUND 2045 992,452 -------------- SUBTOTAL 241,368,653 -------------- SYNTHETIC GUARNTEED INVESTMENT CONTRACTS DWIGHT ASSET MANAGEMENT SYNTHETIC GIC 4.41% UNDERLYING INVESTMENTS 54,644,214 STATE STREET BANK SYNTHETIC GIC 4.41% WRAP CONTRACT 1,071,555 DWIGHT ASSET MANAGEMENT SYNTHETIC GIC 4.35% UNDERLYING INVESTMENTS 54,650,762 TRANSAMERICA SYNTHETIC GIC 4.35% WRAP CONTRACT 1,071,684 -------------- SUBTOTAL 111,438,215 -------------- -------------- TOTAL PLAN INVESTMENTS $1,163,864,074 ============== -------------- VARIOUS PARTICIPANTS PARTICIPANT LOANS, INTEREST RATE 4.0% -10.5% $ 34,276,549 ============== * PARTY IN INTEREST HISTORICAL COST INFORMATION COLUMN (D) IS NOT PRESENTED ON THIS SCHEDULE SINCE THE INVESTMENTS DISPLAYED ARE PARTICIPANT DIRECTED. 18

SIGNATURE THE PLAN. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the Plan) have duly caused this annual report to be signed on its behalf by the undersigned thereunto duly authorized. CENTERPOINT ENERGY SAVINGS PLAN By /s/ Byron R. Kelley ------------------------------------- (Byron R. Kelley, Chairman of the Benefits Committee of CenterPoint Energy, Inc., Plan Administrator) June 19, 2006 19

EXHIBIT INDEX 23 Consent of McConnell & Jones, LLP

EXHIBIT 23 INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM CONSENT We consent to the incorporation by reference in Registration Statement No. 333-115796 of CenterPoint Energy, Inc. on Form S-8 of our report dated June 9, 2006 appearing in this Annual Report on Form 11-K of the CenterPoint Energy Savings Plan for the year ended December 31, 2005. /S/ McConnell & Jones, LLP Houston, Texas June 28, 2006