Call reports 2005
HIGHPOINT COMMUNITY BANK — 2005
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 240,667,000 | 236,335,000 | 235,177,000 | 230,322,000 |
| Total loans | 143,073,000 | 143,927,000 | 147,073,000 | 143,984,000 |
| Allowance for loan losses | 1,885,000 | 1,864,000 | 1,908,000 | 1,335,000 |
| Securities available for sale | 60,729,000 | 56,468,000 | 53,628,000 | 45,215,000 |
| Securities held to maturity | 8,683,000 | 11,414,000 | 9,968,000 | 8,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,056,000 | 182,717,000 | 180,950,000 | 178,522,000 |
| Interest-bearing deposits | 161,101,000 | 150,173,000 | 148,811,000 | 147,136,000 |
| Noninterest-bearing deposits | 29,955,000 | 32,544,000 | 32,139,000 | 31,386,000 |
| Equity capital | 25,493,000 | 26,090,000 | 26,325,000 | 25,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,624,000 | 5,317,000 | 8,018,000 | 10,650,000 |
| Interest expense | 794,000 | 1,650,000 | 2,574,000 | 3,525,000 |
| Net interest income | 1,830,000 | 3,667,000 | 5,444,000 | 7,125,000 |
| Noninterest income | 482,000 | 966,000 | 1,504,000 | 2,022,000 |
| Noninterest expense | 1,612,000 | 3,270,000 | 4,863,000 | 6,673,000 |
| Provision for loan losses | 31,000 | 7,000 | 91,000 | 1,556,000 |
| Pretax income | 673,000 | 1,356,000 | 1,994,000 | 899,000 |
| Income tax | 114,000 | 235,000 | 346,000 | -120,000 |
| Net income | 559,000 | 1,121,000 | 1,648,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,769,000 | 26,154,000 | 26,502,000 | 25,404,000 |
| Total capital | 27,559,000 | 27,956,000 | 28,329,000 | 26,739,000 |
| Risk-weighted assets | 143,084,000 | 144,138,000 | 146,106,000 | 139,832,000 |