Call reports 2010
HIGH POINT BANK AND TRUST COMPANY — 2010
What HIGH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 775,564,000 | 795,713,000 | 789,316,000 | 775,295,000 |
| Total loans | 566,673,000 | 561,501,000 | 544,059,000 | 541,618,000 |
| Allowance for loan losses | 9,444,000 | 11,407,000 | 8,289,000 | 12,342,000 |
| Securities available for sale | 116,121,000 | 107,845,000 | 122,321,000 | 124,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,333,000 | 617,049,000 | 611,423,000 | 601,194,000 |
| Interest-bearing deposits | 517,697,000 | 536,253,000 | 523,937,000 | 524,915,000 |
| Noninterest-bearing deposits | 75,636,000 | 80,796,000 | 87,486,000 | 76,279,000 |
| Equity capital | 96,561,000 | 96,821,000 | 97,922,000 | 94,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,840,000 | 17,766,000 | 26,246,000 | 34,825,000 |
| Interest expense | 2,160,000 | 4,023,000 | 5,846,000 | 7,584,000 |
| Net interest income | 6,680,000 | 13,743,000 | 20,400,000 | 27,241,000 |
| Noninterest income | 2,667,000 | 4,725,000 | 7,192,000 | 9,682,000 |
| Noninterest expense | 6,728,000 | 13,569,000 | 20,316,000 | 27,473,000 |
| Provision for loan losses | 1,200,000 | 3,400,000 | 5,600,000 | 9,610,000 |
| Pretax income | 1,419,000 | 1,656,000 | 1,834,000 | 402,000 |
| Income tax | 284,000 | 107,000 | -89,000 | -1,081,000 |
| Net income | 1,135,000 | 1,549,000 | 1,923,000 | 1,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,031,000 | 93,011,000 | 93,074,000 | 92,771,000 |
| Total capital | 100,744,000 | 100,755,000 | 100,642,000 | 100,309,000 |
| Risk-weighted assets | 615,301,000 | 615,873,000 | 604,718,000 | 598,207,000 |
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