Call reports 2007
RACCOON VALLEY BANK — 2007
What RACCOON VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 172,566,000 | 165,204,000 | 169,804,000 | 162,984,000 |
| Total loans | 108,398,000 | 108,407,000 | 109,204,000 | 105,739,000 |
| Allowance for loan losses | 1,914,000 | 1,912,000 | 1,901,000 | 1,599,000 |
| Securities available for sale | 41,727,000 | 44,432,000 | 45,930,000 | 44,658,000 |
| Securities held to maturity | 997,000 | 1,125,000 | 1,124,000 | 1,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,698,000 | 145,471,000 | 148,234,000 | 144,162,000 |
| Interest-bearing deposits | 136,684,000 | 131,260,000 | 133,660,000 | 128,486,000 |
| Noninterest-bearing deposits | 15,014,000 | 14,211,000 | 14,574,000 | 15,676,000 |
| Equity capital | 13,455,000 | 13,543,000 | 14,300,000 | 14,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,434,000 | 4,997,000 | 7,544,000 | 10,069,000 |
| Interest expense | 1,127,000 | 2,334,000 | 3,541,000 | 4,686,000 |
| Net interest income | 1,307,000 | 2,663,000 | 4,003,000 | 5,383,000 |
| Noninterest income | 213,000 | 420,000 | 627,000 | 848,000 |
| Noninterest expense | 1,063,000 | 2,105,000 | 3,116,000 | 4,065,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 457,000 | 978,000 | 1,514,000 | 2,166,000 |
| Income tax | 23,000 | 52,000 | 77,000 | 108,000 |
| Net income | 434,000 | 926,000 | 1,437,000 | 2,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,853,000 | 14,082,000 | 14,248,000 | 14,470,000 |
| Total capital | 15,426,000 | 15,702,000 | 15,905,000 | 16,069,000 |
| Risk-weighted assets | 141,991,000 | 130,609,000 | 133,840,000 | 129,470,000 |