Call reports 2025
HIGHPOINT COMMUNITY BANK — 2025
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 638,539,000 | 659,128,000 | 596,092,000 | 589,689,000 |
| Total loans | 337,157,000 | 343,640,000 | 351,748,000 | 354,019,000 |
| Allowance for loan losses | 3,478,000 | 3,728,000 | 3,859,000 | 3,941,000 |
| Securities available for sale | 57,259,000 | 57,554,000 | 58,531,000 | 55,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 586,425,000 | 605,475,000 | 540,043,000 | 532,187,000 |
| Interest-bearing deposits | 479,984,000 | 501,579,000 | 437,727,000 | 423,688,000 |
| Noninterest-bearing deposits | 106,441,000 | 103,896,000 | 102,316,000 | 108,499,000 |
| Equity capital | 42,999,000 | 44,556,000 | 46,459,000 | 47,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,733,000 | 13,984,000 | 21,110,000 | 28,003,000 |
| Interest expense | 2,016,000 | 3,959,000 | 6,046,000 | 8,081,000 |
| Net interest income | 4,717,000 | 10,025,000 | 15,064,000 | 19,922,000 |
| Noninterest income | 701,000 | 1,510,000 | 2,651,000 | 3,262,000 |
| Noninterest expense | 3,606,000 | 7,243,000 | 11,016,000 | 15,117,000 |
| Provision for loan losses | 322,000 | 570,000 | 701,000 | 796,000 |
| Pretax income | 1,490,000 | 3,712,000 | 5,988,000 | 7,261,000 |
| Income tax | 186,000 | 530,000 | 888,000 | 1,033,000 |
| Net income | 1,304,000 | 3,182,000 | 5,100,000 | 6,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,167,000 | 46,666,000 | 47,860,000 | 48,609,000 |
| Total capital | 48,600,000 | 50,359,000 | 51,684,000 | 52,515,000 |
| Risk-weighted assets | 303,561,000 | 313,044,000 | 320,263,000 | 319,911,000 |