High Point Bank and Trust Company

High Point Bank and Trust Company is headquartered in High Point and is the 24^th largest bank in the state of North Carolina. It is also the 848^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 226 employees at 13 locations. High Point Bank and Trust Company has a 4-star health rating.

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Data for Q1 2012

Institution Statistics High Point Bank and Trust Company FDIC Certificate # 12267 BankRate Report View Year Established 1905 Employees 226 Primary Regulator FDIC Assets and Liabilities Assets $779.54 million Loans $517.47 million Deposits $608.82 million Equity Capital $91.10 million Loan Loss Allowance $10.80 million Unbacked Noncurrent Loans $15.47 million Real Estate Owned $8.02 million Historic Data - March 2011 Assets $806.66 million Equity Capital $94.29 million Loan Loss Allowance $11.95 million Unbacked Noncurrent Loans $14.37 million Real Estate Owned $15.26 million Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.32% Return on Equity 2.73% Interest Income $7.56 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 High Point Bank and Trust Company had $23.49 million in non-current loans and owned real-estate with $101.9 million in equity and loan loss allowances on hand to cover it. This gives High Point Bank and Trust Company a Texas Ratio of 23.05% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for High Point Bank and Trust Company decreased slightly from 27.89% as of March 31, 2011 to 23.05% as of March 31, 2012, resulting in a positive change of 17.36%.This indicates that the balance sheet and financial strength for High Point Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, High Point Bank and Trust Company has decreased its total deposits by -$23.34 million, resulting in -3.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth High Point Bank and Trust Company has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. High Point Bank and Trust Company has $779.54 million in assets with $101.9 million in equity, resulting in a capitalization level of 13.07%, which is excellent.

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