Call reports 2012
HIGH COUNTRY BANK — 2012
What HIGH COUNTRY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 184,962,000 | 184,945,000 | 186,374,000 | 190,536,000 |
| Total loans | 129,631,000 | 130,172,000 | 129,241,000 | 132,937,000 |
| Allowance for loan losses | 1,507,000 | 1,453,000 | 1,442,000 | 1,421,000 |
| Securities available for sale | 8,151,000 | 12,737,000 | 13,984,000 | 14,754,000 |
| Securities held to maturity | 7,914,000 | 7,681,000 | 7,443,000 | 6,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,044,000 | 162,255,000 | 163,001,000 | 167,579,000 |
| Interest-bearing deposits | 146,327,000 | 144,614,000 | 144,360,000 | 148,753,000 |
| Noninterest-bearing deposits | 15,717,000 | 17,641,000 | 18,641,000 | 18,826,000 |
| Equity capital | 21,788,000 | 21,342,000 | 21,877,000 | 21,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,423,000 | 4,799,000 | 7,155,000 | 9,491,000 |
| Interest expense | 240,000 | 464,000 | 675,000 | 877,000 |
| Net interest income | 2,183,000 | 4,335,000 | 6,480,000 | 8,614,000 |
| Noninterest income | 246,000 | 496,000 | 825,000 | 1,349,000 |
| Noninterest expense | 1,645,000 | 3,358,000 | 5,063,000 | 6,810,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 80,000 |
| Pretax income | 724,000 | 1,413,000 | 2,182,000 | 3,073,000 |
| Income tax | 264,000 | 503,000 | 796,000 | 1,072,000 |
| Net income | 460,000 | 910,000 | 1,386,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,767,000 | 21,317,000 | 21,792,000 | 21,668,000 |
| Total capital | 23,241,000 | 22,770,000 | 23,234,000 | 23,089,000 |
| Risk-weighted assets | 117,922,000 | 118,758,000 | 118,680,000 | 122,504,000 |