Call reports 2006
HIGHPOINT COMMUNITY BANK — 2006
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 236,670,000 | 231,449,000 | 229,794,000 | 231,406,000 |
| Total loans | 142,833,000 | 144,383,000 | 140,327,000 | 141,660,000 |
| Allowance for loan losses | 1,356,000 | 1,353,000 | 1,318,000 | 1,333,000 |
| Securities available for sale | 53,386,000 | 49,409,000 | 52,308,000 | 50,559,000 |
| Securities held to maturity | 8,069,000 | 14,235,000 | 10,919,000 | 8,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,208,000 | 175,801,000 | 176,262,000 | 177,847,000 |
| Interest-bearing deposits | 152,491,000 | 142,403,000 | 147,738,000 | 146,273,000 |
| Noninterest-bearing deposits | 30,717,000 | 33,398,000 | 28,524,000 | 31,574,000 |
| Equity capital | 25,100,000 | 25,306,000 | 26,003,000 | 25,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,753,000 | 8,854,000 | 11,883,000 |
| Interest expense | 1,048,000 | 2,199,000 | 3,493,000 | 4,808,000 |
| Net interest income | 1,744,000 | 3,554,000 | 5,361,000 | 7,075,000 |
| Noninterest income | 489,000 | 1,009,000 | 1,522,000 | 2,058,000 |
| Noninterest expense | 1,589,000 | 3,233,000 | 4,901,000 | 6,698,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 644,000 | 1,330,000 | 1,982,000 | 2,435,000 |
| Income tax | 108,000 | 240,000 | 355,000 | 410,000 |
| Net income | 536,000 | 1,090,000 | 1,627,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,363,000 | 25,697,000 | 26,050,000 | 26,052,000 |
| Total capital | 26,719,000 | 27,050,000 | 27,368,000 | 27,385,000 |
| Risk-weighted assets | 142,740,000 | 144,956,000 | 141,918,000 | 145,111,000 |