Call reports 2013
RACCOON VALLEY BANK — 2013
What RACCOON VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 215,454,000 | 211,739,000 | 220,073,000 | 219,157,000 |
| Total loans | 97,773,000 | 101,092,000 | 107,796,000 | 126,980,000 |
| Allowance for loan losses | 1,894,000 | 1,817,000 | 1,818,000 | 1,827,000 |
| Securities available for sale | 68,640,000 | 72,215,000 | 73,938,000 | 70,229,000 |
| Securities held to maturity | 676,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,641,000 | 194,984,000 | 202,810,000 | 192,893,000 |
| Interest-bearing deposits | 170,343,000 | 167,998,000 | 175,359,000 | 163,273,000 |
| Noninterest-bearing deposits | 27,298,000 | 26,986,000 | 27,451,000 | 29,620,000 |
| Equity capital | 16,066,000 | 15,013,000 | 15,535,000 | 15,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 3,021,000 | 4,634,000 | 6,395,000 |
| Interest expense | 204,000 | 399,000 | 587,000 | 775,000 |
| Net interest income | 1,290,000 | 2,622,000 | 4,047,000 | 5,620,000 |
| Noninterest income | 315,000 | 547,000 | 773,000 | 1,007,000 |
| Noninterest expense | 1,158,000 | 2,450,000 | 3,598,000 | 4,770,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 25,000 |
| Pretax income | 432,000 | 704,000 | 1,207,000 | 1,832,000 |
| Income tax | 22,000 | 45,000 | 81,000 | 101,000 |
| Net income | 410,000 | 659,000 | 1,126,000 | 1,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,885,000 | 16,002,000 | 16,101,000 | 16,312,000 |
| Total capital | 17,433,000 | 17,667,000 | 17,853,000 | 18,139,000 |
| Risk-weighted assets | 130,595,000 | 133,081,000 | 140,110,000 | 156,192,000 |