Call reports 2019
HIGH COUNTRY BANK — 2019
What HIGH COUNTRY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 268,777,000 | 275,528,000 | 285,634,000 | 292,656,000 |
| Total loans | 209,434,000 | 218,397,000 | 229,946,000 | 242,043,000 |
| Allowance for loan losses | 1,445,000 | 1,547,000 | 1,632,000 | 1,684,000 |
| Securities available for sale | 32,292,000 | 31,563,000 | 30,650,000 | 29,686,000 |
| Securities held to maturity | 550,000 | 545,000 | 541,000 | 536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,664,000 | 245,235,000 | 254,037,000 | 252,626,000 |
| Interest-bearing deposits | 179,428,000 | 176,915,000 | 174,364,000 | 173,373,000 |
| Noninterest-bearing deposits | 60,236,000 | 68,320,000 | 79,673,000 | 79,253,000 |
| Equity capital | 24,941,000 | 25,721,000 | 26,777,000 | 28,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,663,000 | 7,280,000 | 11,082,000 | 15,030,000 |
| Interest expense | 109,000 | 240,000 | 331,000 | 442,000 |
| Net interest income | 3,554,000 | 7,040,000 | 10,751,000 | 14,588,000 |
| Noninterest income | 514,000 | 1,028,000 | 1,683,000 | 2,351,000 |
| Noninterest expense | 2,524,000 | 5,044,000 | 7,742,000 | 10,432,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 250,000 |
| Pretax income | 1,553,000 | 2,950,000 | 4,527,000 | 6,292,000 |
| Income tax | 364,000 | 689,000 | 1,075,000 | 1,519,000 |
| Net income | 1,189,000 | 2,261,000 | 3,452,000 | 4,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,239,000 | 25,654,000 | 26,646,000 | 27,859,000 |
| Total capital | 26,684,000 | 27,201,000 | 28,278,000 | 29,543,000 |
| Risk-weighted assets | 208,779,000 | 217,967,000 | 233,246,000 | 238,377,000 |