Call reports 2010
HIGHPOINT COMMUNITY BANK — 2010
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 236,106,000 | 231,423,000 | 245,554,000 | 241,256,000 |
| Total loans | 146,857,000 | 143,163,000 | 142,028,000 | 141,825,000 |
| Allowance for loan losses | 2,819,000 | 3,060,000 | 3,052,000 | 2,600,000 |
| Securities available for sale | 37,773,000 | 39,956,000 | 45,536,000 | 46,910,000 |
| Securities held to maturity | 6,374,000 | 6,043,000 | 1,835,000 | 1,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,816,000 | 193,810,000 | 208,198,000 | 204,856,000 |
| Interest-bearing deposits | 167,104,000 | 162,419,000 | 175,098,000 | 169,311,000 |
| Noninterest-bearing deposits | 30,712,000 | 31,391,000 | 33,100,000 | 35,546,000 |
| Equity capital | 23,220,000 | 23,019,000 | 23,330,000 | 23,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,463,000 | 4,927,000 | 7,318,000 | 9,657,000 |
| Interest expense | 565,000 | 1,112,000 | 1,636,000 | 2,081,000 |
| Net interest income | 1,898,000 | 3,815,000 | 5,682,000 | 7,576,000 |
| Noninterest income | 500,000 | 998,000 | 1,512,000 | 2,124,000 |
| Noninterest expense | 1,932,000 | 3,869,000 | 5,800,000 | 7,805,000 |
| Provision for loan losses | 132,000 | 586,000 | 848,000 | 981,000 |
| Pretax income | 398,000 | 797,000 | 985,000 | 1,358,000 |
| Income tax | 25,000 | 90,000 | 60,000 | 120,000 |
| Net income | 373,000 | 707,000 | 925,000 | 1,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,746,000 | 20,869,000 | 21,083,000 | 21,548,000 |
| Total capital | 22,693,000 | 22,525,000 | 22,687,000 | 23,121,000 |
| Risk-weighted assets | 136,806,000 | 131,085,000 | 126,845,000 | 124,777,000 |