Call reports 2023
HIGH COUNTRY BANK — 2023
What HIGH COUNTRY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 426,918,000 | 440,376,000 | 448,364,000 | 459,377,000 |
| Total loans | 331,556,000 | 349,209,000 | 359,508,000 | 372,401,000 |
| Allowance for loan losses | 2,980,000 | 3,030,000 | 3,730,000 | 3,824,000 |
| Securities available for sale | 67,851,000 | 66,061,000 | 63,950,000 | 62,462,000 |
| Securities held to maturity | 5,000 | 4,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,619,000 | 375,237,000 | 391,436,000 | 384,555,000 |
| Interest-bearing deposits | 252,466,000 | 261,974,000 | 274,766,000 | 281,704,000 |
| Noninterest-bearing deposits | 127,153,000 | 113,263,000 | 116,670,000 | 102,851,000 |
| Equity capital | 39,827,000 | 39,429,000 | 38,526,000 | 40,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,111,000 | 10,495,000 | 16,184,000 | 22,257,000 |
| Interest expense | 302,000 | 946,000 | 1,898,000 | 3,128,000 |
| Net interest income | 4,809,000 | 9,549,000 | 14,286,000 | 19,129,000 |
| Noninterest income | 412,000 | 823,000 | 1,254,000 | 1,632,000 |
| Noninterest expense | 3,573,000 | 7,408,000 | 11,151,000 | 14,851,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | 250,000 |
| Pretax income | 1,548,000 | 2,814,000 | 4,239,000 | 5,660,000 |
| Income tax | 346,000 | 627,000 | 943,000 | 1,260,000 |
| Net income | 1,202,000 | 2,187,000 | 3,296,000 | 4,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,690,000 | 42,675,000 | 42,448,000 | 43,052,000 |