Call reports 2012
RACCOON VALLEY BANK — 2012
What RACCOON VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 192,969,000 | 188,448,000 | 198,342,000 | 207,027,000 |
| Total loans | 97,759,000 | 97,840,000 | 96,871,000 | 104,116,000 |
| Allowance for loan losses | 1,870,000 | 1,895,000 | 1,894,000 | 1,900,000 |
| Securities available for sale | 56,944,000 | 58,171,000 | 58,630,000 | 67,490,000 |
| Securities held to maturity | 1,571,000 | 926,000 | 926,000 | 676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,480,000 | 170,466,000 | 179,924,000 | 189,150,000 |
| Interest-bearing deposits | 149,699,000 | 145,423,000 | 152,748,000 | 159,339,000 |
| Noninterest-bearing deposits | 24,781,000 | 25,043,000 | 27,176,000 | 29,811,000 |
| Equity capital | 16,736,000 | 16,112,000 | 16,541,000 | 16,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,242,000 | 4,838,000 | 6,390,000 |
| Interest expense | 210,000 | 420,000 | 626,000 | 839,000 |
| Net interest income | 1,420,000 | 2,822,000 | 4,212,000 | 5,551,000 |
| Noninterest income | 287,000 | 552,000 | 810,000 | 1,102,000 |
| Noninterest expense | 1,075,000 | 2,130,000 | 3,206,000 | 4,314,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 632,000 | 1,244,000 | 1,816,000 | 2,329,000 |
| Income tax | 32,000 | 62,000 | 91,000 | 117,000 |
| Net income | 600,000 | 1,182,000 | 1,725,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,212,000 | 15,742,000 | 15,852,000 | 15,844,000 |
| Total capital | 17,772,000 | 17,297,000 | 17,349,000 | 17,655,000 |
| Risk-weighted assets | 124,461,000 | 124,075,000 | 136,451,000 | 144,795,000 |