Call reports 2005
RED RIVER BANK — 2005
What RED RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 411,484,000 | 430,961,000 | 443,154,000 | 452,994,000 |
| Total loans | 308,648,000 | 318,441,000 | 321,904,000 | 319,221,000 |
| Allowance for loan losses | 3,746,000 | 3,389,000 | 3,676,000 | 3,917,000 |
| Securities available for sale | 54,783,000 | 54,205,000 | 52,044,000 | 70,786,000 |
| Securities held to maturity | 12,765,000 | 19,139,000 | 19,133,000 | 19,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,151,000 | 363,289,000 | 387,942,000 | 402,591,000 |
| Interest-bearing deposits | 275,708,000 | 276,178,000 | 360,520,000 | 388,268,000 |
| Noninterest-bearing deposits | 83,443,000 | 87,111,000 | 27,422,000 | 14,323,000 |
| Equity capital | 31,898,000 | 33,478,000 | 34,663,000 | 35,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,496,000 | 11,413,000 | 17,622,000 | 24,133,000 |
| Interest expense | 1,666,000 | 3,515,000 | 5,640,000 | 7,814,000 |
| Net interest income | 3,830,000 | 7,898,000 | 11,982,000 | 16,319,000 |
| Noninterest income | 1,230,000 | 2,466,000 | 3,690,000 | 4,958,000 |
| Noninterest expense | 2,995,000 | 6,089,000 | 9,260,000 | 12,471,000 |
| Provision for loan losses | 320,000 | 620,000 | 935,000 | 1,280,000 |
| Pretax income | 1,745,000 | 3,585,000 | 5,407,000 | 7,456,000 |
| Income tax | 525,000 | 1,070,000 | 1,600,000 | 2,197,000 |
| Net income | 1,220,000 | 2,515,000 | 3,807,000 | 5,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,429,000 | 33,724,000 | 35,009,000 | 36,461,000 |
| Total capital | 36,175,000 | 37,113,000 | 38,685,000 | 40,380,000 |
| Risk-weighted assets | 309,649,000 | 319,227,000 | 335,221,000 | 328,838,000 |