Call reports 2014
HIGH COUNTRY BANK — 2014
What HIGH COUNTRY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 198,475,000 | 201,199,000 | 205,960,000 | 204,310,000 |
| Total loans | 135,770,000 | 137,769,000 | 137,173,000 | 141,605,000 |
| Allowance for loan losses | 1,312,000 | 1,340,000 | 1,330,000 | 1,379,000 |
| Securities available for sale | 23,047,000 | 25,572,000 | 26,550,000 | 27,451,000 |
| Securities held to maturity | 3,612,000 | 3,485,000 | 3,372,000 | 3,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,049,000 | 177,684,000 | 183,264,000 | 181,975,000 |
| Interest-bearing deposits | 155,896,000 | 158,233,000 | 158,985,000 | 159,512,000 |
| Noninterest-bearing deposits | 19,153,000 | 19,451,000 | 24,279,000 | 22,463,000 |
| Equity capital | 22,348,000 | 21,990,000 | 21,528,000 | 21,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,325,000 | 4,734,000 | 7,179,000 | 9,597,000 |
| Interest expense | 166,000 | 323,000 | 467,000 | 606,000 |
| Net interest income | 2,159,000 | 4,411,000 | 6,712,000 | 8,991,000 |
| Noninterest income | 329,000 | 719,000 | 1,103,000 | 1,496,000 |
| Noninterest expense | 1,765,000 | 3,612,000 | 5,421,000 | 7,184,000 |
| Provision for loan losses | 60,000 | 100,000 | 100,000 | 150,000 |
| Pretax income | 663,000 | 1,418,000 | 2,294,000 | 3,153,000 |
| Income tax | 204,000 | 444,000 | 724,000 | 1,039,000 |
| Net income | 459,000 | 974,000 | 1,570,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,426,000 | 21,960,000 | 21,504,000 | 21,468,000 |
| Total capital | 23,738,000 | 23,300,000 | 22,834,000 | 22,847,000 |
| Risk-weighted assets | 132,464,000 | 133,135,000 | 133,443,000 | 136,760,000 |