Call reports 2007
HIGHPOINT COMMUNITY BANK — 2007
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 239,556,000 | 236,640,000 | 243,469,000 | 238,623,000 |
| Total loans | 143,689,000 | 144,369,000 | 144,598,000 | 142,141,000 |
| Allowance for loan losses | 1,320,000 | 1,321,000 | 1,300,000 | 1,350,000 |
| Securities available for sale | 51,288,000 | 59,536,000 | 61,096,000 | 64,628,000 |
| Securities held to maturity | 7,116,000 | 5,831,000 | 4,403,000 | 4,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,012,000 | 185,473,000 | 192,041,000 | 187,109,000 |
| Interest-bearing deposits | 158,169,000 | 155,302,000 | 162,135,000 | 157,320,000 |
| Noninterest-bearing deposits | 29,843,000 | 30,171,000 | 29,906,000 | 29,789,000 |
| Equity capital | 26,204,000 | 26,221,000 | 26,682,000 | 26,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,101,000 | 6,287,000 | 9,566,000 | 12,857,000 |
| Interest expense | 1,403,000 | 2,845,000 | 4,357,000 | 5,861,000 |
| Net interest income | 1,698,000 | 3,442,000 | 5,209,000 | 6,996,000 |
| Noninterest income | 536,000 | 1,030,000 | 1,521,000 | 2,121,000 |
| Noninterest expense | 1,743,000 | 3,457,000 | 5,148,000 | 6,932,000 |
| Provision for loan losses | -150,000 | -200,000 | -244,000 | -159,000 |
| Pretax income | 632,000 | 1,234,000 | 1,845,000 | 2,360,000 |
| Income tax | 105,000 | 200,000 | 305,000 | 330,000 |
| Net income | 527,000 | 1,034,000 | 1,540,000 | 2,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,176,000 | 26,429,000 | 26,596,000 | 26,602,000 |
| Total capital | 27,496,000 | 27,750,000 | 27,896,000 | 27,952,000 |
| Risk-weighted assets | 148,070,000 | 148,497,000 | 147,815,000 | 149,970,000 |