Call reports 2006
HIGH POINT BANK AND TRUST COMPANY — 2006
What HIGH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 650,949,000 | 653,600,000 | 676,975,000 | 700,572,000 |
| Total loans | 463,255,000 | 473,778,000 | 490,200,000 | 500,539,000 |
| Allowance for loan losses | 6,858,000 | 7,116,000 | 7,246,000 | 7,554,000 |
| Securities available for sale | 138,296,000 | 133,489,000 | 131,769,000 | 128,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,157,000 | 501,573,000 | 528,773,000 | 560,546,000 |
| Interest-bearing deposits | 414,721,000 | 409,838,000 | 437,360,000 | 474,688,000 |
| Noninterest-bearing deposits | 84,436,000 | 91,735,000 | 91,413,000 | 85,858,000 |
| Equity capital | 88,380,000 | 88,899,000 | 90,997,000 | 92,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,895,000 | 20,141,000 | 30,735,000 | 42,172,000 |
| Interest expense | 3,986,000 | 8,246,000 | 13,051,000 | 18,366,000 |
| Net interest income | 5,909,000 | 11,895,000 | 17,684,000 | 23,806,000 |
| Noninterest income | 1,920,000 | 4,219,000 | 6,261,000 | 7,911,000 |
| Noninterest expense | 5,000,000 | 10,036,000 | 15,157,000 | 19,966,000 |
| Provision for loan losses | 375,000 | 750,000 | 750,000 | 1,125,000 |
| Pretax income | 2,454,000 | 4,946,000 | 7,477,000 | 9,858,000 |
| Income tax | 810,000 | 1,626,000 | 2,471,000 | 2,821,000 |
| Net income | 1,644,000 | 3,320,000 | 5,006,000 | 7,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,184,000 | 89,278,000 | 90,385,000 | 91,641,000 |
| Total capital | 94,191,000 | 95,423,000 | 96,765,000 | 98,213,000 |
| Risk-weighted assets | 479,720,000 | 490,636,000 | 509,511,000 | 524,761,000 |
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