Call reports 2016
HIGH COUNTRY BANK — 2016
What HIGH COUNTRY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 229,860,000 | 229,407,000 | 243,277,000 | 233,420,000 |
| Total loans | 150,494,000 | 154,040,000 | 158,018,000 | 164,492,000 |
| Allowance for loan losses | 1,239,000 | 1,215,000 | 1,216,000 | 1,218,000 |
| Securities available for sale | 35,520,000 | 37,880,000 | 36,639,000 | 37,995,000 |
| Securities held to maturity | 2,449,000 | 2,360,000 | 2,028,000 | 1,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,704,000 | 205,349,000 | 219,212,000 | 208,782,000 |
| Interest-bearing deposits | 177,818,000 | 178,862,000 | 184,988,000 | 176,162,000 |
| Noninterest-bearing deposits | 27,886,000 | 26,487,000 | 34,224,000 | 32,620,000 |
| Equity capital | 22,948,000 | 23,033,000 | 23,354,000 | 23,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 5,318,000 | 8,130,000 | 10,960,000 |
| Interest expense | 131,000 | 256,000 | 380,000 | 496,000 |
| Net interest income | 2,431,000 | 5,062,000 | 7,750,000 | 10,464,000 |
| Noninterest income | 698,000 | 1,133,000 | 1,649,000 | 1,912,000 |
| Noninterest expense | 1,843,000 | 3,931,000 | 5,976,000 | 8,034,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 1,286,000 | 2,239,000 | 3,423,000 | 4,630,000 |
| Income tax | 377,000 | 697,000 | 1,100,000 | 1,491,000 |
| Net income | 909,000 | 1,542,000 | 2,323,000 | 3,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,807,000 | 22,840,000 | 23,272,000 | 24,087,000 |
| Total capital | 24,046,000 | 24,055,000 | 24,488,000 | 25,305,000 |
| Risk-weighted assets | 152,620,000 | 157,820,000 | 165,840,000 | 170,412,000 |