Call reports 2014
RACCOON VALLEY BANK — 2014
What RACCOON VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 234,494,000 | 225,558,000 | 225,238,000 | 241,043,000 |
| Total loans | 123,861,000 | 129,618,000 | 146,197,000 | 153,817,000 |
| Allowance for loan losses | 1,844,000 | 1,839,000 | 1,835,000 | 1,895,000 |
| Securities available for sale | 69,996,000 | 69,445,000 | 66,418,000 | 64,667,000 |
| Securities held to maturity | 175,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,609,000 | 205,536,000 | 204,114,000 | 220,791,000 |
| Interest-bearing deposits | 185,376,000 | 178,359,000 | 175,016,000 | 194,022,000 |
| Noninterest-bearing deposits | 29,233,000 | 27,177,000 | 29,098,000 | 26,769,000 |
| Equity capital | 16,163,000 | 16,634,000 | 16,755,000 | 16,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,580,000 | 5,529,000 | 7,557,000 |
| Interest expense | 186,000 | 375,000 | 572,000 | 782,000 |
| Net interest income | 1,552,000 | 3,205,000 | 4,957,000 | 6,775,000 |
| Noninterest income | 206,000 | 406,000 | 673,000 | 897,000 |
| Noninterest expense | 1,167,000 | 2,396,000 | 3,687,000 | 4,947,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 110,000 |
| Pretax income | 589,000 | 1,234,000 | 1,947,000 | 2,659,000 |
| Income tax | 31,000 | 62,000 | 97,000 | 133,000 |
| Net income | 558,000 | 1,172,000 | 1,850,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,474,000 | 16,704,000 | 16,959,000 | 17,190,000 |
| Total capital | 18,318,000 | 18,543,000 | 18,794,000 | 19,085,000 |
| Risk-weighted assets | 157,329,000 | 160,435,000 | 174,922,000 | 185,326,000 |