Call reports 2023
RACCOON VALLEY BANK — 2023
What RACCOON VALLEY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 432,160,000 | 434,708,000 | 441,365,000 | 448,052,000 |
| Total loans | 336,120,000 | 338,896,000 | 342,182,000 | 353,725,000 |
| Allowance for loan losses | 3,859,000 | 4,011,000 | 4,061,000 | 4,512,000 |
| Securities available for sale | 63,697,000 | 61,573,000 | 62,072,000 | 62,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,011,000 | 394,255,000 | 398,316,000 | 404,874,000 |
| Interest-bearing deposits | 322,571,000 | 320,398,000 | 322,738,000 | 333,132,000 |
| Noninterest-bearing deposits | 69,440,000 | 73,857,000 | 75,578,000 | 71,742,000 |
| Equity capital | 34,862,000 | 36,070,000 | 35,638,000 | 37,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,911,000 | 10,168,000 | 15,689,000 | 21,451,000 |
| Interest expense | 1,486,000 | 3,218,000 | 5,215,000 | 7,607,000 |
| Net interest income | 3,425,000 | 6,950,000 | 10,474,000 | 13,844,000 |
| Noninterest income | 218,000 | 1,459,000 | 1,687,000 | 1,869,000 |
| Noninterest expense | 2,193,000 | 4,536,000 | 6,861,000 | 9,261,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 900,000 |
| Pretax income | 1,327,000 | 3,600,000 | 5,021,000 | 5,723,000 |
| Income tax | 71,000 | 139,000 | 208,000 | 293,000 |
| Net income | 1,256,000 | 3,461,000 | 4,813,000 | 5,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,308,000 | 38,925,000 | 39,689,000 | 39,718,000 |
| Total capital | 41,167,000 | 42,936,000 | 43,750,000 | 44,230,000 |
| Risk-weighted assets | 361,937,000 | 364,236,000 | 364,910,000 | 376,697,000 |