Call reports 2003
RED RIVER BANK — 2003
What RED RIVER 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 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 282,883,000 | 298,382,000 | 309,144,000 | 357,956,000 |
| Total loans | 201,766,000 | 210,428,000 | 225,013,000 | 247,903,000 |
| Allowance for loan losses | 2,387,000 | 2,539,000 | 2,673,000 | 2,992,000 |
| Securities available for sale | 49,829,000 | 55,816,000 | 54,090,000 | 68,962,000 |
| Securities held to maturity | 1,927,000 | 2,097,000 | 2,721,000 | 3,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,626,000 | 262,878,000 | 273,272,000 | 316,703,000 |
| Interest-bearing deposits | 196,123,000 | 208,133,000 | 215,539,000 | 247,693,000 |
| Noninterest-bearing deposits | 51,503,000 | 54,745,000 | 57,733,000 | 69,010,000 |
| Equity capital | 21,301,000 | 22,175,000 | 22,909,000 | 26,699,000 |
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 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,688,000 | 7,527,000 | 11,432,000 | 15,757,000 |
| Interest expense | 1,422,000 | 2,899,000 | 4,376,000 | 5,905,000 |
| Net interest income | 2,266,000 | 4,628,000 | 7,056,000 | 9,852,000 |
| Noninterest income | 904,000 | 2,271,000 | 3,560,000 | 4,614,000 |
| Noninterest expense | 2,057,000 | 4,238,000 | 6,518,000 | 8,970,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 963,000 | 2,361,000 | 3,636,000 | 4,884,000 |
| Income tax | 323,000 | 749,000 | 1,146,000 | 1,513,000 |
| Net income | 640,000 | 1,612,000 | 2,490,000 | 3,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,944,000 | 21,916,000 | 22,794,000 | 26,475,000 |
| Total capital | 23,331,000 | 24,455,000 | 25,467,000 | 29,467,000 |
| Risk-weighted assets | 202,548,000 | 219,535,000 | 227,430,000 | 253,562,000 |