Call reports 2009
RACCOON VALLEY BANK — 2009
What RACCOON VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 173,911,000 | 171,288,000 | 164,940,000 | 169,252,000 |
| Total loans | 101,693,000 | 97,829,000 | 95,370,000 | 96,345,000 |
| Allowance for loan losses | 1,952,000 | 1,938,000 | 2,109,000 | 2,163,000 |
| Securities available for sale | 39,647,000 | 40,676,000 | 39,861,000 | 37,832,000 |
| Securities held to maturity | 1,039,000 | 1,223,000 | 1,762,000 | 1,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,849,000 | 150,288,000 | 144,265,000 | 149,062,000 |
| Interest-bearing deposits | 136,031,000 | 133,238,000 | 127,819,000 | 131,618,000 |
| Noninterest-bearing deposits | 16,818,000 | 17,050,000 | 16,446,000 | 17,444,000 |
| Equity capital | 15,920,000 | 15,738,000 | 15,714,000 | 15,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,003,000 | 3,954,000 | 5,785,000 | 7,567,000 |
| Interest expense | 613,000 | 1,160,000 | 1,633,000 | 2,048,000 |
| Net interest income | 1,390,000 | 2,794,000 | 4,152,000 | 5,519,000 |
| Noninterest income | 240,000 | 501,000 | 784,000 | 1,031,000 |
| Noninterest expense | 1,129,000 | 2,373,000 | 3,551,000 | 4,586,000 |
| Provision for loan losses | 185,000 | 420,000 | 620,000 | 680,000 |
| Pretax income | 316,000 | 790,000 | 1,053,000 | 1,704,000 |
| Income tax | 16,000 | 41,000 | 54,000 | 85,000 |
| Net income | 300,000 | 749,000 | 999,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,959,000 | 15,082,000 | 14,998,000 | 15,114,000 |
| Total capital | 16,593,000 | 16,694,000 | 16,573,000 | 16,737,000 |
| Risk-weighted assets | 137,687,000 | 131,527,000 | 129,331,000 | 133,258,000 |