Call reports 2020
RACCOON VALLEY BANK — 2020
What RACCOON VALLEY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 305,556,000 | 331,760,000 | 330,417,000 | 343,525,000 |
| Total loans | 224,757,000 | 245,914,000 | 241,845,000 | 242,279,000 |
| Allowance for loan losses | 2,432,000 | 2,709,000 | 2,830,000 | 3,150,000 |
| Securities available for sale | 59,371,000 | 55,000,000 | 53,401,000 | 53,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,357,000 | 288,872,000 | 294,100,000 | 307,829,000 |
| Interest-bearing deposits | 233,384,000 | 236,562,000 | 237,110,000 | 242,291,000 |
| Noninterest-bearing deposits | 38,973,000 | 52,310,000 | 56,990,000 | 65,538,000 |
| Equity capital | 27,274,000 | 28,606,000 | 29,673,000 | 30,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,189,000 | 6,483,000 | 9,598,000 | 12,819,000 |
| Interest expense | 677,000 | 1,292,000 | 1,836,000 | 2,308,000 |
| Net interest income | 2,512,000 | 5,191,000 | 7,762,000 | 10,511,000 |
| Noninterest income | 338,000 | 1,262,000 | 2,602,000 | 3,843,000 |
| Noninterest expense | 1,819,000 | 3,839,000 | 6,090,000 | 8,462,000 |
| Provision for loan losses | 60,000 | 340,000 | 460,000 | 780,000 |
| Pretax income | 1,042,000 | 2,418,000 | 4,037,000 | 5,355,000 |
| Income tax | 52,000 | 122,000 | 204,000 | 278,000 |
| Net income | 990,000 | 2,296,000 | 3,833,000 | 5,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,778,000 | 26,651,000 | 27,755,000 | 28,566,000 |
| Total capital | 28,210,000 | 29,360,000 | 30,585,000 | 31,716,000 |
| Risk-weighted assets | 251,985,000 | 251,690,000 | 250,629,000 | 257,089,000 |