Call reports 2025
RACCOON VALLEY BANK — 2025
What RACCOON VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 467,306,000 | 454,246,000 | 475,640,000 | 472,860,000 |
| Total loans | 337,077,000 | 340,389,000 | 364,172,000 | 372,768,000 |
| Allowance for loan losses | 4,589,000 | 4,368,000 | 4,666,000 | 4,872,000 |
| Securities available for sale | 70,627,000 | 73,728,000 | 75,544,000 | 76,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,250,000 | 408,898,000 | 417,654,000 | 416,809,000 |
| Interest-bearing deposits | 352,712,000 | 341,561,000 | 349,940,000 | 347,995,000 |
| Noninterest-bearing deposits | 69,538,000 | 67,337,000 | 67,714,000 | 68,814,000 |
| Equity capital | 41,006,000 | 41,838,000 | 43,577,000 | 43,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,059,000 | 12,586,000 | 19,369,000 | 26,154,000 |
| Interest expense | 2,572,000 | 5,071,000 | 7,567,000 | 10,083,000 |
| Net interest income | 3,487,000 | 7,515,000 | 11,802,000 | 16,071,000 |
| Noninterest income | 233,000 | 149,000 | 410,000 | 663,000 |
| Noninterest expense | 2,585,000 | 5,151,000 | 8,020,000 | 11,198,000 |
| Provision for loan losses | 75,000 | 150,000 | 450,000 | 1,550,000 |
| Pretax income | 1,071,000 | 2,374,000 | 3,741,000 | 3,986,000 |
| Income tax | 38,000 | 79,000 | 120,000 | 164,000 |
| Net income | 1,033,000 | 2,295,000 | 3,621,000 | 3,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,651,000 | 43,315,000 | 44,042,000 | 43,646,000 |
| Total capital | 47,142,000 | 47,683,000 | 48,708,000 | 48,518,000 |
| Risk-weighted assets | 359,206,000 | 363,706,000 | 394,157,000 | 400,025,000 |