Call reports 2016
RACCOON VALLEY BANK — 2016
What RACCOON VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 237,881,000 | 240,241,000 | 241,928,000 | 248,762,000 |
| Total loans | 151,220,000 | 154,880,000 | 163,385,000 | 163,741,000 |
| Allowance for loan losses | 2,078,000 | 2,135,000 | 2,103,000 | 2,155,000 |
| Securities available for sale | 59,770,000 | 60,319,000 | 58,874,000 | 59,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,409,000 | 214,992,000 | 215,173,000 | 224,800,000 |
| Interest-bearing deposits | 186,903,000 | 186,210,000 | 186,204,000 | 194,809,000 |
| Noninterest-bearing deposits | 26,506,000 | 28,782,000 | 28,969,000 | 29,991,000 |
| Equity capital | 18,452,000 | 19,013,000 | 19,094,000 | 18,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,963,000 | 3,971,000 | 6,101,000 | 8,228,000 |
| Interest expense | 231,000 | 491,000 | 755,000 | 1,044,000 |
| Net interest income | 1,732,000 | 3,480,000 | 5,346,000 | 7,184,000 |
| Noninterest income | 191,000 | 455,000 | 715,000 | 1,008,000 |
| Noninterest expense | 1,329,000 | 2,705,000 | 4,077,000 | 5,496,000 |
| Provision for loan losses | 75,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 519,000 | 1,105,000 | 1,859,000 | 2,571,000 |
| Income tax | 27,000 | 55,000 | 96,000 | 129,000 |
| Net income | 492,000 | 1,050,000 | 1,763,000 | 2,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,263,000 | 18,424,000 | 18,712,000 | 18,939,000 |
| Total capital | 20,297,000 | 20,505,000 | 20,815,000 | 21,094,000 |
| Risk-weighted assets | 162,689,000 | 166,397,000 | 174,221,000 | 181,635,000 |