Call reports 2006
RED RIVER BANK — 2006
What RED RIVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 471,524,000 | 476,689,000 | 499,787,000 | 522,242,000 |
| Total loans | 323,278,000 | 343,226,000 | 361,392,000 | 382,102,000 |
| Allowance for loan losses | 4,221,000 | 4,487,000 | 4,684,000 | 4,776,000 |
| Securities available for sale | 64,822,000 | 79,014,000 | 67,857,000 | 76,995,000 |
| Securities held to maturity | 19,122,000 | 19,116,000 | 19,110,000 | 19,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,849,000 | 424,861,000 | 445,444,000 | 462,879,000 |
| Interest-bearing deposits | 393,947,000 | 401,095,000 | 430,982,000 | 453,180,000 |
| Noninterest-bearing deposits | 25,902,000 | 23,766,000 | 14,462,000 | 9,699,000 |
| Equity capital | 37,193,000 | 37,822,000 | 40,097,000 | 41,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,739,000 | 13,978,000 | 21,656,000 | 29,800,000 |
| Interest expense | 2,308,000 | 4,881,000 | 7,751,000 | 10,950,000 |
| Net interest income | 4,431,000 | 9,097,000 | 13,905,000 | 18,850,000 |
| Noninterest income | 1,271,000 | 2,616,000 | 4,088,000 | 5,568,000 |
| Noninterest expense | 3,569,000 | 7,383,000 | 11,409,000 | 15,514,000 |
| Provision for loan losses | 345,000 | 690,000 | 960,000 | 1,155,000 |
| Pretax income | 1,788,000 | 3,640,000 | 5,624,000 | 7,749,000 |
| Income tax | 520,000 | 1,056,000 | 1,677,000 | 2,349,000 |
| Net income | 1,268,000 | 2,584,000 | 3,947,000 | 5,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,229,000 | 39,537,000 | 40,908,000 | 42,361,000 |
| Total capital | 42,450,000 | 43,980,000 | 45,592,000 | 47,137,000 |
| Risk-weighted assets | 338,408,000 | 355,376,000 | 374,765,000 | 395,207,000 |