Call reports 2005
RACCOON VALLEY BANK — 2005
What RACCOON VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 155,284,000 | 156,996,000 | 164,560,000 | 163,599,000 |
| Total loans | 93,405,000 | 101,257,000 | 102,847,000 | 104,570,000 |
| Allowance for loan losses | 2,012,000 | 1,944,000 | 1,941,000 | 1,889,000 |
| Securities available for sale | 50,198,000 | 47,170,000 | 44,149,000 | 47,132,000 |
| Securities held to maturity | 1,934,000 | 1,544,000 | 1,543,000 | 1,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,261,000 | 136,014,000 | 141,394,000 | 142,187,000 |
| Interest-bearing deposits | 121,043,000 | 120,783,000 | 125,952,000 | 124,073,000 |
| Noninterest-bearing deposits | 16,218,000 | 15,231,000 | 15,442,000 | 18,114,000 |
| Equity capital | 12,704,000 | 13,228,000 | 13,188,000 | 12,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,820,000 | 3,778,000 | 5,775,000 | 7,915,000 |
| Interest expense | 588,000 | 1,219,000 | 1,929,000 | 2,758,000 |
| Net interest income | 1,232,000 | 2,559,000 | 3,846,000 | 5,157,000 |
| Noninterest income | 201,000 | 415,000 | 595,000 | 771,000 |
| Noninterest expense | 1,175,000 | 2,268,000 | 3,292,000 | 4,219,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 248,000 | 696,000 | 1,139,000 | 1,699,000 |
| Income tax | 12,000 | 34,000 | 56,000 | 85,000 |
| Net income | 236,000 | 662,000 | 1,083,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,571,000 | 13,749,000 | 13,873,000 | 13,656,000 |
| Total capital | 15,078,000 | 15,416,000 | 15,480,000 | 15,267,000 |
| Risk-weighted assets | 120,819,000 | 133,116,000 | 129,517,000 | 129,595,000 |
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