Call reports 2003
HIGHPOINT COMMUNITY BANK — 2003
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 237,781,000 | 234,697,000 | 228,702,000 | 237,470,000 |
| Total loans | 144,134,000 | 139,638,000 | 138,647,000 | 135,943,000 |
| Allowance for loan losses | 1,909,000 | 1,850,000 | 1,826,000 | 1,795,000 |
| Securities available for sale | 67,333,000 | 56,677,000 | 63,091,000 | 70,337,000 |
| Securities held to maturity | 6,913,000 | 15,545,000 | 10,921,000 | 8,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,474,000 | 185,952,000 | 180,860,000 | 188,352,000 |
| Interest-bearing deposits | 162,601,000 | 157,717,000 | 152,942,000 | 159,738,000 |
| Noninterest-bearing deposits | 25,873,000 | 28,235,000 | 27,918,000 | 28,614,000 |
| Equity capital | 24,829,000 | 25,282,000 | 25,513,000 | 25,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,222,000 | 6,197,000 | 9,064,000 | 11,778,000 |
| Interest expense | 1,065,000 | 2,088,000 | 3,011,000 | 3,893,000 |
| Net interest income | 2,157,000 | 4,109,000 | 6,053,000 | 7,885,000 |
| Noninterest income | 523,000 | 952,000 | 1,428,000 | 2,226,000 |
| Noninterest expense | 1,793,000 | 3,370,000 | 4,959,000 | 6,694,000 |
| Provision for loan losses | 50,000 | 134,000 | 205,000 | 388,000 |
| Pretax income | 837,000 | 1,601,000 | 2,361,000 | 3,110,000 |
| Income tax | 210,000 | 370,000 | 532,000 | 700,000 |
| Net income | 627,000 | 1,231,000 | 1,829,000 | 2,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,051,000 | 24,480,000 | 24,810,000 | 24,720,000 |
| Total capital | 25,727,000 | 26,145,000 | 26,473,000 | 26,411,000 |
| Risk-weighted assets | 133,808,000 | 133,020,000 | 132,913,000 | 135,214,000 |