Call reports 2004
HIGHPOINT COMMUNITY BANK — 2004
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 242,151,000 | 237,304,000 | 238,659,000 | 238,798,000 |
| Total loans | 135,885,000 | 137,063,000 | 138,191,000 | 141,687,000 |
| Allowance for loan losses | 1,787,000 | 1,805,000 | 1,820,000 | 1,864,000 |
| Securities available for sale | 79,341,000 | 67,008,000 | 66,684,000 | 62,782,000 |
| Securities held to maturity | 4,763,000 | 13,271,000 | 11,014,000 | 10,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,296,000 | 188,621,000 | 192,360,000 | 186,816,000 |
| Interest-bearing deposits | 166,306,000 | 160,313,000 | 161,628,000 | 157,314,000 |
| Noninterest-bearing deposits | 27,990,000 | 28,308,000 | 30,732,000 | 29,502,000 |
| Equity capital | 25,504,000 | 25,038,000 | 25,549,000 | 25,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,637,000 | 5,258,000 | 7,876,000 | 10,504,000 |
| Interest expense | 832,000 | 1,622,000 | 2,386,000 | 3,170,000 |
| Net interest income | 1,805,000 | 3,636,000 | 5,490,000 | 7,334,000 |
| Noninterest income | 403,000 | 850,000 | 1,342,000 | 1,841,000 |
| Noninterest expense | 1,498,000 | 3,041,000 | 4,626,000 | 6,248,000 |
| Provision for loan losses | 63,000 | 107,000 | 173,000 | 298,000 |
| Pretax income | 683,000 | 1,374,000 | 2,069,000 | 2,669,000 |
| Income tax | 144,000 | 284,000 | 425,000 | 510,000 |
| Net income | 539,000 | 1,090,000 | 1,644,000 | 2,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,957,000 | 25,110,000 | 25,304,000 | 25,397,000 |
| Total capital | 26,676,000 | 26,850,000 | 27,065,000 | 27,181,000 |
| Risk-weighted assets | 137,460,000 | 139,175,000 | 140,827,000 | 142,647,000 |