Call reports 2016
HIGHPOINT COMMUNITY BANK — 2016
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 309,363,000 | 306,312,000 | 311,899,000 | 309,562,000 |
| Total loans | 168,609,000 | 168,800,000 | 173,722,000 | 174,864,000 |
| Allowance for loan losses | 1,461,000 | 1,387,000 | 1,389,000 | 1,286,000 |
| Securities available for sale | 78,031,000 | 76,548,000 | 75,070,000 | 72,513,000 |
| Securities held to maturity | 639,000 | 3,274,000 | 2,044,000 | 1,055,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,589,000 | 257,628,000 | 266,688,000 | 261,277,000 |
| Interest-bearing deposits | 217,388,000 | 206,568,000 | 213,207,000 | 209,933,000 |
| Noninterest-bearing deposits | 50,201,000 | 51,060,000 | 53,481,000 | 51,344,000 |
| Equity capital | 28,804,000 | 29,382,000 | 29,580,000 | 28,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,634,000 | 6,945,000 | 9,337,000 |
| Interest expense | 145,000 | 290,000 | 433,000 | 573,000 |
| Net interest income | 2,188,000 | 4,344,000 | 6,512,000 | 8,764,000 |
| Noninterest income | 618,000 | 1,303,000 | 2,011,000 | 2,740,000 |
| Noninterest expense | 2,317,000 | 4,681,000 | 7,066,000 | 9,465,000 |
| Provision for loan losses | 20,000 | 29,000 | 38,000 | 60,000 |
| Pretax income | 469,000 | 937,000 | 1,463,000 | 2,023,000 |
| Income tax | 30,000 | 60,000 | 120,000 | 180,000 |
| Net income | 439,000 | 877,000 | 1,343,000 | 1,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,460,000 | 25,795,000 | 26,105,000 | 26,359,000 |
| Total capital | 26,921,000 | 27,182,000 | 27,494,000 | 27,645,000 |
| Risk-weighted assets | 158,443,000 | 157,607,000 | 162,003,000 | 164,698,000 |