Call reports 2013
HIGH COUNTRY BANK — 2013
What HIGH COUNTRY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 193,835,000 | 196,779,000 | 199,556,000 | 195,849,000 |
| Total loans | 132,172,000 | 133,566,000 | 135,360,000 | 135,644,000 |
| Allowance for loan losses | 1,442,000 | 1,393,000 | 1,348,000 | 1,326,000 |
| Securities available for sale | 14,772,000 | 15,696,000 | 19,329,000 | 22,420,000 |
| Securities held to maturity | 5,625,000 | 5,386,000 | 5,171,000 | 4,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,532,000 | 173,761,000 | 176,422,000 | 173,021,000 |
| Interest-bearing deposits | 152,019,000 | 156,375,000 | 156,420,000 | 154,788,000 |
| Noninterest-bearing deposits | 18,513,000 | 17,386,000 | 20,002,000 | 18,233,000 |
| Equity capital | 22,161,000 | 21,553,000 | 21,997,000 | 21,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,238,000 | 4,565,000 | 6,905,000 | 9,284,000 |
| Interest expense | 194,000 | 388,000 | 581,000 | 763,000 |
| Net interest income | 2,044,000 | 4,177,000 | 6,324,000 | 8,521,000 |
| Noninterest income | 516,000 | 1,001,000 | 1,476,000 | 1,829,000 |
| Noninterest expense | 1,853,000 | 3,743,000 | 5,562,000 | 7,357,000 |
| Provision for loan losses | 40,000 | 70,000 | 85,000 | 160,000 |
| Pretax income | 667,000 | 1,365,000 | 2,153,000 | 2,833,000 |
| Income tax | 230,000 | 470,000 | 766,000 | 915,000 |
| Net income | 437,000 | 895,000 | 1,387,000 | 1,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,106,000 | 21,703,000 | 22,196,000 | 21,966,000 |
| Total capital | 23,548,000 | 23,096,000 | 23,544,000 | 23,292,000 |
| Risk-weighted assets | 121,997,000 | 123,231,000 | 128,344,000 | 130,502,000 |