Call reports 2025
HIGH COUNTRY BANK — 2025
What HIGH COUNTRY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 503,567,000 | 513,642,000 | 522,254,000 | 532,976,000 |
| Total loans | 418,352,000 | 430,850,000 | 441,020,000 | 449,314,000 |
| Allowance for loan losses | 4,450,000 | 4,739,000 | 5,598,000 | 5,298,000 |
| Securities available for sale | 57,058,000 | 57,465,000 | 57,838,000 | 57,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,968,000 | 423,978,000 | 431,889,000 | 437,306,000 |
| Interest-bearing deposits | 347,226,000 | 365,947,000 | 376,781,000 | 377,673,000 |
| Noninterest-bearing deposits | 76,742,000 | 58,031,000 | 55,108,000 | 59,633,000 |
| Equity capital | 42,065,000 | 42,521,000 | 43,558,000 | 47,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,127,000 | 14,623,000 | 22,148,000 | 29,849,000 |
| Interest expense | 1,658,000 | 3,455,000 | 5,274,000 | 7,031,000 |
| Net interest income | 5,469,000 | 11,168,000 | 16,874,000 | 22,818,000 |
| Noninterest income | 442,000 | 986,000 | 1,520,000 | 2,037,000 |
| Noninterest expense | 4,269,000 | 8,921,000 | 13,131,000 | 17,622,000 |
| Provision for loan losses | 0 | 300,000 | 1,200,000 | 900,000 |
| Pretax income | 1,642,000 | 2,933,000 | 4,063,000 | 6,346,000 |
| Income tax | 370,000 | 656,000 | 880,000 | 1,398,000 |
| Net income | 1,272,000 | 2,277,000 | 3,183,000 | 4,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,043,000 | 44,447,000 | 44,754,000 | 48,919,000 |
| Total capital | 48,793,000 | 49,356,000 | 49,854,000 | — |
| Risk-weighted assets | 385,828,000 | 392,572,000 | 407,178,000 | — |