Call reports 2011
RACCOON VALLEY BANK — 2011
What RACCOON VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 188,226,000 | 180,310,000 | 175,401,000 | 186,056,000 |
| Total loans | 93,977,000 | 97,249,000 | 99,716,000 | 104,790,000 |
| Allowance for loan losses | 1,811,000 | 1,849,000 | 1,873,000 | 1,900,000 |
| Securities available for sale | 48,468,000 | 53,233,000 | 51,558,000 | 55,684,000 |
| Securities held to maturity | 3,092,000 | 1,821,000 | 1,821,000 | 1,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,849,000 | 160,136,000 | 155,159,000 | 168,011,000 |
| Interest-bearing deposits | 147,475,000 | 139,312,000 | 133,775,000 | 143,880,000 |
| Noninterest-bearing deposits | 21,374,000 | 20,824,000 | 21,384,000 | 24,131,000 |
| Equity capital | 15,588,000 | 16,248,000 | 16,142,000 | 16,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,260,000 | 4,928,000 | 6,667,000 |
| Interest expense | 275,000 | 544,000 | 791,000 | 1,022,000 |
| Net interest income | 1,317,000 | 2,716,000 | 4,137,000 | 5,645,000 |
| Noninterest income | 252,000 | 501,000 | 764,000 | 1,091,000 |
| Noninterest expense | 1,122,000 | 2,221,000 | 3,320,000 | 4,281,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 417,000 | 936,000 | 1,491,000 | 2,335,000 |
| Income tax | 21,000 | 47,000 | 75,000 | 119,000 |
| Net income | 396,000 | 889,000 | 1,416,000 | 2,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,376,000 | 15,482,000 | 15,496,000 | 15,612,000 |
| Total capital | 17,187,000 | 17,331,000 | 17,369,000 | 17,512,000 |
| Risk-weighted assets | 151,736,000 | 157,284,000 | 159,090,000 | 169,924,000 |