Call reports 2008
HIGHPOINT COMMUNITY BANK — 2008
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 245,179,000 | 245,990,000 | 236,113,000 | 239,600,000 |
| Total loans | 143,069,000 | 145,334,000 | 149,684,000 | 151,565,000 |
| Allowance for loan losses | 1,184,000 | 1,301,000 | 1,378,000 | 1,930,000 |
| Securities available for sale | 69,828,000 | 73,919,000 | 58,046,000 | 44,773,000 |
| Securities held to maturity | 4,124,000 | 3,205,000 | 3,197,000 | 3,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,031,000 | 187,573,000 | 186,425,000 | 187,636,000 |
| Interest-bearing deposits | 165,465,000 | 156,794,000 | 156,326,000 | 155,317,000 |
| Noninterest-bearing deposits | 29,566,000 | 30,779,000 | 30,099,000 | 32,319,000 |
| Equity capital | 27,192,000 | 26,414,000 | 23,654,000 | 22,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,285,000 | 6,463,000 | 9,595,000 | 12,523,000 |
| Interest expense | 1,372,000 | 2,546,000 | 3,604,000 | 4,569,000 |
| Net interest income | 1,913,000 | 3,917,000 | 5,991,000 | 7,954,000 |
| Noninterest income | 517,000 | 1,055,000 | 1,603,000 | 2,121,000 |
| Noninterest expense | 1,806,000 | 3,649,000 | 5,583,000 | 7,490,000 |
| Provision for loan losses | 118,000 | 253,000 | 393,000 | 1,232,000 |
| Pretax income | 506,000 | 1,076,000 | -2,813,000 | -5,430,000 |
| Income tax | 70,000 | 165,000 | -1,250,000 | -2,130,000 |
| Net income | 436,000 | 911,000 | -1,563,000 | -3,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,768,000 | 26,854,000 | 24,111,000 | 22,026,000 |
| Total capital | 27,952,000 | 28,155,000 | 25,489,000 | 23,917,000 |
| Risk-weighted assets | 151,526,000 | 153,979,000 | 149,526,000 | 151,251,000 |