Call reports 2010
HIGH COUNTRY BANK — 2010
What HIGH COUNTRY 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 | 187,113,000 | 186,095,000 | 181,912,000 | 180,682,000 |
| Total loans | 143,658,000 | 142,026,000 | 137,289,000 | 137,943,000 |
| Allowance for loan losses | 1,648,000 | 1,433,000 | 1,564,000 | 1,397,000 |
| Securities available for sale | 0 | 0 | 0 | 542,000 |
| Securities held to maturity | 10,336,000 | 9,526,000 | 9,266,000 | 10,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,920,000 | 153,187,000 | 152,748,000 | 154,954,000 |
| Interest-bearing deposits | 139,931,000 | 140,574,000 | 139,726,000 | 142,283,000 |
| Noninterest-bearing deposits | 11,989,000 | 12,613,000 | 13,022,000 | 12,671,000 |
| Equity capital | 20,571,000 | 20,617,000 | 20,980,000 | 21,085,000 |
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 | 2,688,000 | 5,385,000 | 7,968,000 | 10,529,000 |
| Interest expense | 705,000 | 1,351,000 | 1,957,000 | 2,440,000 |
| Net interest income | 1,983,000 | 4,034,000 | 6,011,000 | 8,089,000 |
| Noninterest income | 304,000 | 550,000 | 878,000 | 1,504,000 |
| Noninterest expense | 1,631,000 | 3,192,000 | 4,765,000 | 6,268,000 |
| Provision for loan losses | 0 | 50,000 | 200,000 | 350,000 |
| Pretax income | 656,000 | 1,342,000 | 1,924,000 | 2,975,000 |
| Income tax | 237,000 | 476,000 | 695,000 | 1,183,000 |
| Net income | 419,000 | 866,000 | 1,229,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,571,000 | 20,617,000 | 20,980,000 | 21,093,000 |
| Total capital | 22,167,000 | 22,050,000 | 22,497,000 | 22,490,000 |
| Risk-weighted assets | 128,788,000 | 126,521,000 | 122,474,000 | 122,903,000 |