Call reports 2010
RACCOON VALLEY BANK — 2010
What RACCOON VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 168,904,000 | 172,638,000 | 168,515,000 | 174,801,000 |
| Total loans | 95,510,000 | 94,289,000 | 93,478,000 | 96,612,000 |
| Allowance for loan losses | 2,225,000 | 1,838,000 | 1,785,000 | 1,778,000 |
| Securities available for sale | 37,015,000 | 45,595,000 | 41,431,000 | 41,774,000 |
| Securities held to maturity | 1,988,000 | 3,169,000 | 3,168,000 | 3,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,454,000 | 152,771,000 | 148,702,000 | 155,339,000 |
| Interest-bearing deposits | 132,126,000 | 134,569,000 | 129,636,000 | 133,809,000 |
| Noninterest-bearing deposits | 17,328,000 | 18,202,000 | 19,066,000 | 21,530,000 |
| Equity capital | 15,518,000 | 15,727,000 | 15,695,000 | 15,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,451,000 | 5,095,000 | 6,826,000 |
| Interest expense | 363,000 | 702,000 | 1,013,000 | 1,308,000 |
| Net interest income | 1,353,000 | 2,749,000 | 4,082,000 | 5,518,000 |
| Noninterest income | 233,000 | 485,000 | 669,000 | 986,000 |
| Noninterest expense | 1,165,000 | 2,289,000 | 3,397,000 | 4,444,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | 362,000 | 826,000 | 1,195,000 | 1,901,000 |
| Income tax | 19,000 | 42,000 | 65,000 | 91,000 |
| Net income | 343,000 | 784,000 | 1,130,000 | 1,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,133,000 | 15,214,000 | 15,164,000 | 15,340,000 |
| Total capital | 16,753,000 | 16,901,000 | 16,840,000 | 17,090,000 |
| Risk-weighted assets | 133,174,000 | 140,140,000 | 139,709,000 | 145,849,000 |