Call reports 2024
RACCOON VALLEY BANK — 2024
What RACCOON VALLEY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 457,467,000 | 441,445,000 | 447,325,000 | 448,959,000 |
| Total loans | 341,658,000 | 350,069,000 | 353,698,000 | 338,777,000 |
| Allowance for loan losses | 4,587,000 | 4,662,000 | 4,736,000 | 4,514,000 |
| Securities available for sale | 60,586,000 | 60,473,000 | 61,167,000 | 60,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,660,000 | 398,591,000 | 401,730,000 | 404,589,000 |
| Interest-bearing deposits | 347,901,000 | 333,948,000 | 332,959,000 | 336,495,000 |
| Noninterest-bearing deposits | 67,759,000 | 64,643,000 | 68,771,000 | 68,094,000 |
| Equity capital | 38,233,000 | 38,887,000 | 40,754,000 | 40,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,813,000 | 11,765,000 | 17,721,000 | 23,766,000 |
| Interest expense | 2,696,000 | 5,392,000 | 8,190,000 | 10,858,000 |
| Net interest income | 3,117,000 | 6,373,000 | 9,531,000 | 12,908,000 |
| Noninterest income | 326,000 | 481,000 | 742,000 | 957,000 |
| Noninterest expense | 2,328,000 | 4,605,000 | 7,084,000 | 9,811,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 1,059,000 | 2,118,000 | 2,983,000 | 3,673,000 |
| Income tax | 48,000 | 95,000 | 140,000 | 175,000 |
| Net income | 1,011,000 | 2,023,000 | 2,843,000 | 3,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,478,000 | 41,241,000 | 41,811,000 | 42,217,000 |
| Total capital | 45,004,000 | 45,858,000 | 46,509,000 | 46,718,000 |
| Risk-weighted assets | 362,006,000 | 369,308,000 | 375,823,000 | 360,054,000 |