Call reports 2019
RACCOON VALLEY BANK — 2019
What RACCOON VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 286,658,000 | 287,712,000 | 284,998,000 | 304,873,000 |
| Total loans | 197,035,000 | 199,031,000 | 198,993,000 | 206,960,000 |
| Allowance for loan losses | 2,280,000 | 2,310,000 | 2,338,000 | 2,372,000 |
| Securities available for sale | 61,021,000 | 61,179,000 | 62,720,000 | 62,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,245,000 | 259,951,000 | 258,872,000 | 277,937,000 |
| Interest-bearing deposits | 226,019,000 | 224,145,000 | 222,924,000 | 239,907,000 |
| Noninterest-bearing deposits | 36,226,000 | 35,806,000 | 35,948,000 | 38,030,000 |
| Equity capital | 21,801,000 | 22,818,000 | 23,335,000 | 24,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,913,000 | 5,967,000 | 9,004,000 | 12,071,000 |
| Interest expense | 592,000 | 1,250,000 | 1,932,000 | 2,618,000 |
| Net interest income | 2,321,000 | 4,717,000 | 7,072,000 | 9,453,000 |
| Noninterest income | 231,000 | 533,000 | 858,000 | 1,177,000 |
| Noninterest expense | 1,610,000 | 3,251,000 | 5,051,000 | 6,914,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 912,000 | 1,939,000 | 2,789,000 | 3,717,000 |
| Income tax | 41,000 | 95,000 | 137,000 | 173,000 |
| Net income | 871,000 | 1,844,000 | 2,652,000 | 3,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,867,000 | 22,114,000 | 22,531,000 | 23,221,000 |
| Total capital | 24,147,000 | 24,424,000 | 24,869,000 | 25,593,000 |
| Risk-weighted assets | 219,490,000 | 224,563,000 | 224,950,000 | 232,076,000 |