Call reports 2015
HIGH POINT BANK AND TRUST COMPANY — 2015
What HIGH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 829,564,000 | 792,493,000 | 796,370,000 | 849,373,000 |
| Total loans | 507,521,000 | 504,981,000 | 513,188,000 | 508,527,000 |
| Allowance for loan losses | 8,973,000 | 8,427,000 | 7,261,000 | 7,359,000 |
| Securities available for sale | 197,706,000 | 192,981,000 | 185,627,000 | 165,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,446,000 | 646,237,000 | 647,219,000 | 700,452,000 |
| Interest-bearing deposits | 519,847,000 | 483,636,000 | 479,558,000 | 518,117,000 |
| Noninterest-bearing deposits | 153,599,000 | 162,601,000 | 167,661,000 | 182,335,000 |
| Equity capital | 98,843,000 | 98,455,000 | 99,877,000 | 99,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,722,000 | 13,384,000 | 20,109,000 | 26,868,000 |
| Interest expense | 785,000 | 1,455,000 | 2,080,000 | 2,685,000 |
| Net interest income | 5,937,000 | 11,929,000 | 18,029,000 | 24,183,000 |
| Noninterest income | 2,915,000 | 5,619,000 | 8,648,000 | 11,318,000 |
| Noninterest expense | 7,654,000 | 15,125,000 | 22,750,000 | 31,595,000 |
| Provision for loan losses | 150,000 | 200,000 | -800,000 | -1,500,000 |
| Pretax income | 1,139,000 | 2,373,000 | 4,904,000 | 5,606,000 |
| Income tax | 125,000 | 298,000 | 1,035,000 | 949,000 |
| Net income | 1,014,000 | 2,075,000 | 3,869,000 | 4,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,014,000 | 91,066,000 | 92,509,000 | 93,413,000 |
| Total capital | 97,594,000 | 98,727,000 | 99,920,000 | 100,922,000 |
| Risk-weighted assets | 604,693,000 | 607,845,000 | 614,732,000 | 603,931,000 |