Vitals
  • Total Assets
    183.8M 3.6 %
  • Total Deposits
    163.3M 4.1 %
  • Total Net Loans
    154.7M 15.4 %
  • Net Income
  • Book Value
    15.3M -1.3 %
  • Book Value x2
    30.5M -1.3 %
  • Book Value x3
    45.8M -1.3 %
ROAA

1.108

ROAE

Efficiency Ratio

68.26

Net Interest Margin

3.601

Balance Sheet Highlights
Financial Highlights High Country Bank All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 183,833 908,661
Total Net Loans 154,653 588,446
Total Deposits 163,267 641,312
Total Equity 15,260 104,739
Profitability
Net Income — 260,623
Return on Average Assets 1.108 .931
Return on Average Equity — 9.686
Net Interest Margin 3.601 3.848
Efficiency Ratio 68.26 70.657
Noninterest Income/Revenue 24.1 22.447
Balance Sheet Ratios
Loan-to-Deposit 94.724 89.475
Securities/Assets .047 .466
Total Equity/Total Assets .083 .115
Tangible Equity/Tangible Assets .083 -.973
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 15,145 71,013
Tier 2 Capital 2,038 13,145
Total Capital 17,183 84,145
Total Risk Weighted Assets 167,941 639,771
Leverage Ratio 8.31 9.302
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.02 11.782
Total Capital Ratio 10.19 13.246

Timeline for High Country Bank

Yadkin Bank

High Country Bank was acquired by Yadkin Bank 20 years

View Profile Jan 01 2004

High Country Financial Corporation

High Country Financial Corporation became a new parent organization for High Country Bank.

View Profile Jul 01 2002

High Country Securities

High Country Securities became a new subsidiary organization for High Country Bank.

View Profile Jul 01 2002

High Country Bank

High Country Bank was established 25 years ago and is currently headquartered in Boone, NC.

Nov 30 1998
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Yadkin Bank Buyer 7,348,163 Acquisition Discontinued 1/1/2004
Relationships Role Relationship Start Relationship End
High Country Financial Corporation Parent 7/1/2002 12/31/2003
High Country Securities Subsidary 7/1/2002 12/31/2003
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