High Country Bank in city_name, state_name - Detailed Financial Reports, Location

High Country Bank in Salida, Colorado (CO)
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High Country Bank routing number info

High Country Bank - Overview

General
FDIC Certificate #: 29783
Status: Active
Federal Reserve ID: 479370
Bank Holding Company (Regulatory Top Holder): High Country Bancorp, Inc. (RSSDID: 3833834, Location: Salida, CO)
Date Established: January 01, 1886
WWW: http://www.highcountrybank.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 4082
FDIC's unique #: 42617
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 03, 1937
Last Structure Change Effective Date: April 01, 2009
Last Structure Change Process Date: April 08, 2009
Last Data Update: April 08, 2009
Data Source Date: April 05, 2012
Location
Address: 7360 West Us Highway 50, Salida, CO 81201
County: Chaffee
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Denver
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of Changes
Change in Primary Regulatory Agency
Change in Entity Type
Change in Supervisory Agency
Change in Chartering Agent
Financial Summary
Total assets: $181.4 mil
Equity capital: $21.3 mil
Deposits held in domestic offices: $158.6 mil
Return on assets (ROA): 0.87% ($1.6 mil)
Quarterly return on assets: 0.92% ($1.7 mil)
Return on Equity (ROE): 7.38% ($1.5 mil)
Quarterly return on equity: 7.88% ($1.7 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.19% ($2,158.5 mil)
Quarterly Pretax return on assets: 1.38% ($2,503.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
62Total employees (full-time equivalent)
$181,388Total assets
$24,459Cash and due from depository institutions
$21,305Interest-bearing balances
$14,863Securities
$0Federal funds sold & reverse repurchase agreements
$128,342Net loans & leases
$1,483Loan loss allowance
$0Trading account assets
$6,456Bank premises and fixed assets
$2,580Other real estate owned
$0Goodwill and other intangibles
$181,388Life insurance assets
$4,688All other assets
$160,045Total liabilities and capital
$158,622Total liabilities
$144,923Total deposits
$158,622Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$200Trading liabilities
$0Other borrowed funds
$1,223Subordinated debt
$21,343All other liabilities
$21,343Total equity capital
$21,343Total bank equity capital
$0Perpetual preferred stock
$3,000Common stock
$2,860Surplus
$15,483Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,379Income earned, not collected on loans
$0Earning assets
$787Long-term assets (5+ years)
$164,510Average Assets, year-to-date
$70,767Average Assets, quarterly
$180,161Volatile liabilities
$183,280Insider loans
$117,688FHLB advances
$183,593Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$21,307Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,944Restructured Loans and leases
$3,282Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,874Total interest income
$1,510Total interest expense
$8,364Net interest income
$790Provision for loan and lease losses
$1,001Total noninterest income
$0Fiduciary activities
$321Service charges on deposit accounts
$0Trading account gains & fees
$680Additional noninterest income
$6,440Total noninterest expense
$3,680Salaries and employee benefits
$1,056Premises and equipment expense
$1,704Additional noninterest expense
$2,135Pre-tax net operating income
$0Securities gains (losses)
$563Applicable income taxes
$1,572Income before extraordinary items
$0Extraordinary gains - net
$1,572Net income attributable to bank
$0Net charge-offs
$1,572Cash dividends
$705Sale, conversion, retirement of capital stock, net
$1,350Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.07%Yield on earning assets
0.93%Cost of funding earning assets
5.14%Net interest margin
0.62%Noninterest income to earning assets
3.96%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
1.19%Pretax return on assets
7.38%Return on equity (ROE)
1.04%Retained earnings to average equity (YTD only)
0.52%Net charge-offs to loans
112.06%Credit loss provision to net charge-offs
4.15%Efficiency ratio
68,767Assets per employee
2.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.88%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
107.54%Noncurrent assets plus other real estate owned to assets
2.18%Noncurrent loans to loans
1.06%Net loans and leases to deposits
80.91%Net loans and leases to core deposits
82.50%Equity capital to assets
11.77%Core capital (leverage) ratio
11.61%Tier 1 risk-based capital ratio
18.10%Total risk-based capital ratio
Memoranda
$19Average assets
$180,161Average earning assets
$21,309Average equity
$162,753Average loans

List of branches

4 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42617	High Country Bank	7360 West Us Highway 50, Salida, CO 81201	January 01, 1886	Full Service Brick and Mortar
102	277163	Buena Vista Branch	516 Hwy 24 North, Buena Vista, CO 81211	October 01, 1996	Full Service Brick and Mortar
103	464110	Second Street Branch	130 West Second Street, Salida, CO 81201	June 20, 2007	Full Service Brick and Mortar
105	464112	Canon City Branch	150 North Raynolds, Canon City, CO 81212	June 20, 2007	Full Service Brick and Mortar

High Country Bank in Salida, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

High Country Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

High Country Bank in Salida, Colorado (CO)Overview, Financial Summary, Detailed Financial Reports, Branches

High Country Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

High Country Bank in Salida, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches