Call reports 2007
RED RIVER BANK — 2007
What RED RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 546,144,000 | 559,404,000 | 567,044,000 | 588,862,000 |
| Total loans | 395,863,000 | 426,651,000 | 437,017,000 | 451,317,000 |
| Allowance for loan losses | 4,735,000 | 4,748,000 | 4,824,000 | 4,882,000 |
| Securities available for sale | 75,760,000 | 71,499,000 | 71,463,000 | 71,664,000 |
| Securities held to maturity | 18,853,000 | 18,847,000 | 18,841,000 | 18,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,818,000 | 484,799,000 | 490,980,000 | 492,488,000 |
| Interest-bearing deposits | 466,544,000 | 473,067,000 | 479,558,000 | 480,378,000 |
| Noninterest-bearing deposits | 18,274,000 | 11,732,000 | 11,422,000 | 12,110,000 |
| Equity capital | 43,551,000 | 43,976,000 | 46,448,000 | 49,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,423,000 | 17,317,000 | 26,666,000 | 36,225,000 |
| Interest expense | 3,384,000 | 6,965,000 | 10,832,000 | 14,874,000 |
| Net interest income | 5,039,000 | 10,352,000 | 15,834,000 | 21,351,000 |
| Noninterest income | 1,422,000 | 3,145,000 | 4,855,000 | 6,513,000 |
| Noninterest expense | 4,235,000 | 8,867,000 | 13,754,000 | 18,856,000 |
| Provision for loan losses | 45,000 | 115,000 | 240,000 | 360,000 |
| Pretax income | 2,181,000 | 3,891,000 | 6,071,000 | 8,024,000 |
| Income tax | 644,000 | 1,229,000 | 1,878,000 | 2,268,000 |
| Net income | 1,537,000 | 2,662,000 | 4,193,000 | 5,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,898,000 | 45,023,000 | 46,554,000 | 48,367,000 |
| Total capital | 48,633,000 | 49,771,000 | 51,378,000 | 53,251,000 |
| Risk-weighted assets | 412,260,000 | 440,448,000 | 449,544,000 | 463,703,000 |