Call reports 2003
RACCOON VALLEY STATE BANK — 2003
What RACCOON VALLEY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Total assets | 73,573,000 | 69,978,000 | 68,805,000 |
| Total loans | 50,989,000 | 51,088,000 | 50,466,000 |
| Allowance for loan losses | 834,000 | 855,000 | 1,282,000 |
| Securities available for sale | 10,322,000 | 9,944,000 | 7,850,000 |
| Securities held to maturity | 771,000 | 1,061,000 | 1,061,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 63,867,000 | 61,755,000 | 60,917,000 |
| Interest-bearing deposits | 54,275,000 | 52,377,000 | 50,753,000 |
| Noninterest-bearing deposits | 9,592,000 | 9,378,000 | 10,164,000 |
| Equity capital | 5,185,000 | 5,310,000 | 4,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Interest income | 1,058,000 | 2,116,000 | 3,160,000 |
| Interest expense | 425,000 | 806,000 | 1,141,000 |
| Net interest income | 633,000 | 1,310,000 | 2,019,000 |
| Noninterest income | 122,000 | 251,000 | 370,000 |
| Noninterest expense | 578,000 | 1,153,000 | 1,733,000 |
| Provision for loan losses | 795,000 | 912,000 | 1,442,000 |
| Pretax income | -618,000 | -504,000 | -786,000 |
| Income tax | -31,000 | -25,000 | -39,000 |
| Net income | -587,000 | -479,000 | -747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 |
|---|---|---|---|
| Tier 1 capital | 5,033,000 | 5,142,000 | 4,868,000 |
| Total capital | 5,657,000 | 5,758,000 | 5,487,000 |
| Risk-weighted assets | 49,700,000 | 49,057,000 | 48,846,000 |