Call reports 2009
HIGH POINT BANK AND TRUST COMPANY — 2009
What HIGH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 805,876,000 | 801,528,000 | 802,311,000 | 781,591,000 |
| Total loans | 602,848,000 | 601,449,000 | 590,576,000 | 576,913,000 |
| Allowance for loan losses | 7,689,000 | 11,322,000 | 11,777,000 | 9,719,000 |
| Securities available for sale | 90,542,000 | 98,554,000 | 119,145,000 | 112,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 621,117,000 | 619,220,000 | 618,031,000 | 596,673,000 |
| Interest-bearing deposits | 548,979,000 | 540,210,000 | 540,384,000 | 521,396,000 |
| Noninterest-bearing deposits | 72,138,000 | 79,010,000 | 77,647,000 | 75,277,000 |
| Equity capital | 95,199,000 | 91,223,000 | 93,949,000 | 95,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,342,000 | 18,763,000 | 28,150,000 | 37,596,000 |
| Interest expense | 3,314,000 | 6,280,000 | 9,005,000 | 11,497,000 |
| Net interest income | 6,028,000 | 12,483,000 | 19,145,000 | 26,099,000 |
| Noninterest income | 2,661,000 | 4,724,000 | 7,107,000 | 10,259,000 |
| Noninterest expense | 6,707,000 | 13,636,000 | 20,169,000 | 26,737,000 |
| Provision for loan losses | 1,350,000 | 7,775,000 | 8,675,000 | 9,675,000 |
| Pretax income | 1,305,000 | -3,698,000 | -1,894,000 | 653,000 |
| Income tax | 288,000 | -1,871,000 | -1,425,000 | -722,000 |
| Net income | 1,017,000 | -1,827,000 | -469,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,282,000 | 89,615,000 | 90,670,000 | 92,205,000 |
| Total capital | 100,971,000 | 97,872,000 | 98,680,000 | 100,106,000 |
| Risk-weighted assets | 664,889,000 | 657,487,000 | 637,052,000 | 630,256,000 |
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