Call reports 2003
RACCOON VALLEY BANK — 2003
What RACCOON VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,234,000 | 91,143,000 | 86,591,000 | 153,833,000 |
| Total loans | 53,570,000 | 53,051,000 | 51,915,000 | 101,696,000 |
| Allowance for loan losses | 655,000 | 647,000 | 715,000 | 1,898,000 |
| Securities available for sale | 20,649,000 | 27,674,000 | 27,840,000 | 36,368,000 |
| Securities held to maturity | 21,000 | 20,000 | 19,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,417,000 | 76,760,000 | 73,056,000 | 132,864,000 |
| Interest-bearing deposits | 74,637,000 | 69,923,000 | 67,341,000 | 117,569,000 |
| Noninterest-bearing deposits | 6,780,000 | 6,837,000 | 5,715,000 | 15,295,000 |
| Equity capital | 8,772,000 | 8,733,000 | 8,644,000 | 13,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,181,000 | 2,286,000 | 3,353,000 | 5,054,000 |
| Interest expense | 451,000 | 850,000 | 1,214,000 | 1,775,000 |
| Net interest income | 730,000 | 1,436,000 | 2,139,000 | 3,279,000 |
| Noninterest income | 100,000 | 207,000 | 310,000 | 489,000 |
| Noninterest expense | 529,000 | 1,079,000 | 1,623,000 | 2,707,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 80,000 |
| Pretax income | 286,000 | 534,000 | 781,000 | 981,000 |
| Income tax | 14,000 | 26,000 | 34,000 | 42,000 |
| Net income | 272,000 | 508,000 | 747,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,387,000 | 8,423,000 | 8,502,000 | 13,437,000 |
| Total capital | 9,042,000 | 9,070,000 | 9,217,000 | 14,993,000 |
| Risk-weighted assets | 67,067,000 | 67,803,000 | 65,699,000 | 124,122,000 |
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