Call reports 2015
HIGH COUNTRY BANK — 2015
What HIGH COUNTRY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 210,180,000 | 212,893,000 | 222,762,000 | 221,300,000 |
| Total loans | 144,323,000 | 143,733,000 | 145,881,000 | 149,853,000 |
| Allowance for loan losses | 1,414,000 | 1,234,000 | 1,238,000 | 1,238,000 |
| Securities available for sale | 26,655,000 | 27,829,000 | 29,988,000 | 33,323,000 |
| Securities held to maturity | 3,106,000 | 2,982,000 | 2,872,000 | 2,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,201,000 | 189,573,000 | 199,986,000 | 197,630,000 |
| Interest-bearing deposits | 161,860,000 | 165,374,000 | 171,852,000 | 172,827,000 |
| Noninterest-bearing deposits | 25,341,000 | 24,199,000 | 28,134,000 | 24,803,000 |
| Equity capital | 21,846,000 | 22,191,000 | 22,102,000 | 22,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 4,956,000 | 7,477,000 | 10,093,000 |
| Interest expense | 133,000 | 270,000 | 403,000 | 531,000 |
| Net interest income | 2,321,000 | 4,686,000 | 7,074,000 | 9,562,000 |
| Noninterest income | 418,000 | 864,000 | 1,279,000 | 1,768,000 |
| Noninterest expense | 1,805,000 | 3,586,000 | 5,410,000 | 7,243,000 |
| Provision for loan losses | 25,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 909,000 | 1,839,000 | 2,818,000 | 3,962,000 |
| Income tax | 358,000 | 680,000 | 1,020,000 | 1,415,000 |
| Net income | 551,000 | 1,159,000 | 1,798,000 | 2,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,703,000 | 22,141,000 | 21,999,000 | 22,548,000 |
| Total capital | 23,117,000 | 23,374,000 | 23,237,000 | 23,786,000 |
| Risk-weighted assets | 139,517,000 | 141,491,000 | 144,398,000 | 150,413,000 |