Call reports 2008
HIGH POINT BANK AND TRUST COMPANY — 2008
What HIGH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 799,903,000 | 790,496,000 | 791,827,000 | 782,619,000 |
| Total loans | 574,737,000 | 592,379,000 | 594,867,000 | 600,460,000 |
| Allowance for loan losses | 5,879,000 | 6,276,000 | 7,769,000 | 7,412,000 |
| Securities available for sale | 115,500,000 | 119,966,000 | 118,042,000 | 107,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,304,000 | 591,404,000 | 586,366,000 | 582,957,000 |
| Interest-bearing deposits | 537,828,000 | 517,870,000 | 506,033,000 | 508,307,000 |
| Noninterest-bearing deposits | 76,476,000 | 73,534,000 | 80,333,000 | 74,650,000 |
| Equity capital | 97,327,000 | 96,128,000 | 96,788,000 | 94,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,471,000 | 22,312,000 | 33,101,000 | 43,482,000 |
| Interest expense | 5,246,000 | 9,963,000 | 14,272,000 | 18,003,000 |
| Net interest income | 6,225,000 | 12,349,000 | 18,829,000 | 25,479,000 |
| Noninterest income | 1,793,000 | 4,910,000 | 7,427,000 | 10,006,000 |
| Noninterest expense | 5,170,000 | 11,670,000 | 17,855,000 | 23,552,000 |
| Provision for loan losses | 500,000 | 1,045,000 | 2,895,000 | 3,665,000 |
| Pretax income | 2,348,000 | 4,544,000 | 5,506,000 | 8,268,000 |
| Income tax | 675,000 | 1,322,000 | 1,485,000 | 2,208,000 |
| Net income | 1,673,000 | 3,222,000 | 4,021,000 | 6,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,721,000 | 90,848,000 | 90,368,000 | 92,976,000 |
| Total capital | 102,600,000 | 97,124,000 | 98,137,000 | 100,388,000 |
| Risk-weighted assets | 642,519,000 | 655,235,000 | 657,297,000 | 660,652,000 |
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