Call reports 2004
RED RIVER BANK — 2004
What RED RIVER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 365,156,000 | 372,442,000 | 384,731,000 | 385,678,000 |
| Total loans | 253,178,000 | 265,680,000 | 277,346,000 | 283,218,000 |
| Allowance for loan losses | 3,140,000 | 3,245,000 | 3,388,000 | 3,537,000 |
| Securities available for sale | 66,142,000 | 64,225,000 | 58,667,000 | 59,318,000 |
| Securities held to maturity | 4,945,000 | 7,060,000 | 7,361,000 | 11,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,864,000 | 330,713,000 | 341,710,000 | 337,481,000 |
| Interest-bearing deposits | 250,432,000 | 253,374,000 | 256,987,000 | 254,461,000 |
| Noninterest-bearing deposits | 71,432,000 | 77,339,000 | 84,723,000 | 83,020,000 |
| Equity capital | 27,980,000 | 28,040,000 | 29,756,000 | 30,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,384,000 | 9,088,000 | 14,076,000 | 19,254,000 |
| Interest expense | 1,555,000 | 3,091,000 | 4,656,000 | 6,286,000 |
| Net interest income | 2,829,000 | 5,997,000 | 9,420,000 | 12,968,000 |
| Noninterest income | 998,000 | 2,255,000 | 3,497,000 | 4,735,000 |
| Noninterest expense | 2,569,000 | 5,287,000 | 8,130,000 | 11,072,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,196,000 | 2,735,000 | 4,475,000 | 6,169,000 |
| Income tax | 353,000 | 825,000 | 1,372,000 | 1,897,000 |
| Net income | 843,000 | 1,910,000 | 3,103,000 | 4,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,315,000 | 28,351,000 | 29,540,000 | 30,709,000 |
| Total capital | 30,455,000 | 31,596,000 | 32,928,000 | 34,246,000 |
| Risk-weighted assets | 256,872,000 | 268,368,000 | 278,546,000 | 287,659,000 |