Call reports 2008
RACCOON VALLEY BANK — 2008
What RACCOON VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 174,784,000 | 166,634,000 | 170,254,000 | 164,099,000 |
| Total loans | 102,442,000 | 101,528,000 | 102,572,000 | 108,456,000 |
| Allowance for loan losses | 1,490,000 | 1,535,000 | 1,877,000 | 1,782,000 |
| Securities available for sale | 45,602,000 | 44,534,000 | 42,971,000 | 38,778,000 |
| Securities held to maturity | 933,000 | 899,000 | 1,234,000 | 1,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,390,000 | 147,296,000 | 150,139,000 | 143,146,000 |
| Interest-bearing deposits | 136,664,000 | 130,472,000 | 133,263,000 | 127,237,000 |
| Noninterest-bearing deposits | 16,726,000 | 16,824,000 | 16,876,000 | 15,909,000 |
| Equity capital | 15,772,000 | 15,114,000 | 15,340,000 | 15,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,374,000 | 4,602,000 | 6,799,000 | 8,848,000 |
| Interest expense | 1,027,000 | 1,951,000 | 2,727,000 | 3,423,000 |
| Net interest income | 1,347,000 | 2,651,000 | 4,072,000 | 5,425,000 |
| Noninterest income | 238,000 | 486,000 | 739,000 | 875,000 |
| Noninterest expense | 1,075,000 | 2,157,000 | 3,218,000 | 4,152,000 |
| Provision for loan losses | 0 | 65,000 | 420,000 | 710,000 |
| Pretax income | 510,000 | 915,000 | 1,244,000 | 1,560,000 |
| Income tax | 26,000 | 46,000 | 58,000 | 83,000 |
| Net income | 484,000 | 869,000 | 1,186,000 | 1,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,639,000 | 14,732,000 | 14,898,000 | 14,945,000 |
| Total capital | 16,129,000 | 16,267,000 | 16,531,000 | 16,602,000 |
| Risk-weighted assets | 130,448,000 | 128,814,000 | 132,293,000 | 140,294,000 |