Call reports 2015
RACCOON VALLEY BANK — 2015
What RACCOON VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 244,675,000 | 228,495,000 | 233,315,000 | 234,805,000 |
| Total loans | 149,463,000 | 150,397,000 | 155,598,000 | 155,704,000 |
| Allowance for loan losses | 1,910,000 | 1,976,000 | 1,918,000 | 2,011,000 |
| Securities available for sale | 64,388,000 | 64,781,000 | 60,449,000 | 58,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,658,000 | 208,566,000 | 208,734,000 | 210,229,000 |
| Interest-bearing deposits | 196,714,000 | 182,253,000 | 182,937,000 | 184,788,000 |
| Noninterest-bearing deposits | 27,944,000 | 26,313,000 | 25,798,000 | 25,441,000 |
| Equity capital | 17,495,000 | 17,327,000 | 18,057,000 | 18,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,936,000 | 3,921,000 | 5,983,000 | 7,979,000 |
| Interest expense | 211,000 | 421,000 | 638,000 | 875,000 |
| Net interest income | 1,725,000 | 3,500,000 | 5,345,000 | 7,104,000 |
| Noninterest income | 251,000 | 500,000 | 768,000 | 1,112,000 |
| Noninterest expense | 1,254,000 | 2,457,000 | 3,682,000 | 4,972,000 |
| Provision for loan losses | 45,000 | 105,000 | 215,000 | 325,000 |
| Pretax income | 678,000 | 1,439,000 | 2,207,000 | 2,910,000 |
| Income tax | 34,000 | 72,000 | 110,000 | 137,000 |
| Net income | 644,000 | 1,367,000 | 2,097,000 | 2,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,389,000 | 17,653,000 | 17,929,000 | 18,142,000 |
| Total capital | 19,299,000 | 19,629,000 | 19,847,000 | 20,153,000 |
| Risk-weighted assets | 169,286,000 | 167,792,000 | 178,531,000 | 176,941,000 |