Call reports 2009
HIGH COUNTRY BANK — 2009
What HIGH COUNTRY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|
| Total assets | 198,889,000 | 193,429,000 | 193,370,000 |
| Total loans | 147,634,000 | 146,090,000 | 144,599,000 |
| Allowance for loan losses | 1,836,000 | 1,677,000 | 1,633,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 16,307,000 | 11,675,000 | 10,221,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 159,036,000 | 155,760,000 | 156,904,000 |
| Interest-bearing deposits | 146,465,000 | 142,273,000 | 143,314,000 |
| Noninterest-bearing deposits | 12,571,000 | 13,487,000 | 13,590,000 |
| Equity capital | 19,845,000 | 20,066,000 | 20,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|
| Interest income | 6,060,000 | 8,969,000 | 11,734,000 |
| Interest expense | 2,118,000 | 3,035,000 | 3,810,000 |
| Net interest income | 3,942,000 | 5,934,000 | 7,924,000 |
| Noninterest income | 757,000 | 1,014,000 | 1,223,000 |
| Noninterest expense | 3,144,000 | 4,744,000 | 6,347,000 |
| Provision for loan losses | 825,000 | 1,075,000 | 1,075,000 |
| Pretax income | 730,000 | 1,129,000 | 1,725,000 |
| Income tax | 329,000 | 481,000 | 707,000 |
| Net income | 401,000 | 648,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|
| Tier 1 capital | 19,845,000 | 20,066,000 | 20,176,000 |
| Total capital | 21,531,000 | 21,730,000 | 21,809,000 |
| Risk-weighted assets | 134,792,000 | 133,107,000 | 132,158,000 |