Call reports 2005
HIGH POINT BANK AND TRUST COMPANY — 2005
What HIGH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 645,938,000 | 656,585,000 | 672,540,000 | 662,876,000 |
| Total loans | 461,827,000 | 477,501,000 | 474,194,000 | 466,082,000 |
| Allowance for loan losses | 6,703,000 | 7,142,000 | 7,264,000 | 7,344,000 |
| Securities available for sale | 128,513,000 | 127,450,000 | 132,280,000 | 149,597,000 |
| Securities held to maturity | 125,000 | 25,000 | 25,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,378,000 | 514,012,000 | 528,953,000 | 515,896,000 |
| Interest-bearing deposits | 411,759,000 | 418,862,000 | 431,892,000 | 426,835,000 |
| Noninterest-bearing deposits | 97,619,000 | 95,150,000 | 97,061,000 | 89,061,000 |
| Equity capital | 86,137,000 | 87,849,000 | 87,971,000 | 88,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,278,000 | 17,072,000 | 26,452,000 | 36,218,000 |
| Interest expense | 2,322,000 | 5,121,000 | 8,447,000 | 12,148,000 |
| Net interest income | 5,956,000 | 11,951,000 | 18,005,000 | 24,070,000 |
| Noninterest income | 1,981,000 | 3,677,000 | 5,335,000 | 6,881,000 |
| Noninterest expense | 4,762,000 | 9,327,000 | 14,067,000 | 19,383,000 |
| Provision for loan losses | 375,000 | 975,000 | 1,350,000 | 1,025,000 |
| Pretax income | 2,800,000 | 5,326,000 | 7,923,000 | 10,543,000 |
| Income tax | 940,000 | 1,815,000 | 2,695,000 | 3,605,000 |
| Net income | 1,860,000 | 3,511,000 | 5,228,000 | 6,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,342,000 | 86,023,000 | 86,304,000 | 87,475,000 |
| Total capital | 91,323,000 | 92,208,000 | 92,480,000 | 93,567,000 |
| Risk-weighted assets | 477,765,000 | 493,869,000 | 492,995,000 | 486,122,000 |
Machine access — free, no API key
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