Call reports 2020
HIGH COUNTRY BANK — 2020
What HIGH COUNTRY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 302,531,000 | 331,793,000 | 360,620,000 | 365,364,000 |
| Total loans | 249,921,000 | 264,933,000 | 271,163,000 | 255,633,000 |
| Allowance for loan losses | 2,085,000 | 2,736,000 | 3,038,000 | 3,116,000 |
| Securities available for sale | 27,828,000 | 29,572,000 | 30,139,000 | 32,190,000 |
| Securities held to maturity | 532,000 | 528,000 | 276,000 | 23,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,736,000 | 285,278,000 | 315,965,000 | 322,813,000 |
| Interest-bearing deposits | 177,490,000 | 190,370,000 | 205,149,000 | 213,428,000 |
| Noninterest-bearing deposits | 76,246,000 | 94,908,000 | 110,816,000 | 109,385,000 |
| Equity capital | 31,799,000 | 32,911,000 | 33,814,000 | 35,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,027,000 | 8,473,000 | 12,751,000 | 17,223,000 |
| Interest expense | 162,000 | 314,000 | 461,000 | 678,000 |
| Net interest income | 3,865,000 | 8,159,000 | 12,290,000 | 16,545,000 |
| Noninterest income | 622,000 | 1,727,000 | 2,928,000 | 4,487,000 |
| Noninterest expense | 2,847,000 | 6,080,000 | 9,249,000 | 12,636,000 |
| Provision for loan losses | 400,000 | 1,050,000 | 1,350,000 | 1,600,000 |
| Pretax income | 1,240,000 | 2,756,000 | 4,619,000 | 6,796,000 |
| Income tax | 318,000 | 696,000 | 1,162,000 | 1,709,000 |
| Net income | 922,000 | 2,060,000 | 3,457,000 | 5,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,746,000 | 32,359,000 | 33,230,000 | 34,560,000 |