Call reports 2007
HIGH POINT BANK AND TRUST COMPANY — 2007
What HIGH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 732,799,000 | 740,297,000 | 730,853,000 | 756,008,000 |
| Total loans | 537,157,000 | 547,389,000 | 544,247,000 | 563,241,000 |
| Allowance for loan losses | 7,793,000 | 8,121,000 | 6,893,000 | 5,952,000 |
| Securities available for sale | 128,891,000 | 120,369,000 | 120,781,000 | 118,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 592,166,000 | 599,227,000 | 589,834,000 | 584,445,000 |
| Interest-bearing deposits | 493,892,000 | 515,948,000 | 507,390,000 | 507,730,000 |
| Noninterest-bearing deposits | 98,274,000 | 83,279,000 | 82,444,000 | 76,716,000 |
| Equity capital | 93,530,000 | 93,294,000 | 95,489,000 | 96,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,914,000 | 23,962,000 | 36,230,000 | 48,376,000 |
| Interest expense | 5,588,000 | 11,602,000 | 17,821,000 | 23,643,000 |
| Net interest income | 6,326,000 | 12,360,000 | 18,409,000 | 24,733,000 |
| Noninterest income | 1,576,000 | 3,035,000 | 4,768,000 | 6,423,000 |
| Noninterest expense | 4,709,000 | 9,489,000 | 14,637,000 | 19,598,000 |
| Provision for loan losses | 300,000 | 300,000 | 900,000 | 1,200,000 |
| Pretax income | 2,893,000 | 5,606,000 | 7,344,000 | 10,062,000 |
| Income tax | 954,000 | 1,784,000 | 2,115,000 | 3,020,000 |
| Net income | 1,939,000 | 3,822,000 | 5,229,000 | 7,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,693,000 | 94,854,000 | 95,545,000 | 95,805,000 |
| Total capital | 100,870,000 | 102,219,000 | 102,438,000 | 101,757,000 |
| Risk-weighted assets | 573,556,000 | 588,434,000 | 584,066,000 | 624,894,000 |
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