Call reports 2008
RED RIVER BANK — 2008
What RED RIVER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 647,274,000 | 657,658,000 | 686,498,000 | 694,632,000 |
| Total loans | 460,250,000 | 481,892,000 | 499,017,000 | 499,395,000 |
| Allowance for loan losses | 4,936,000 | 4,549,000 | 4,604,000 | 5,010,000 |
| Securities available for sale | 92,137,000 | 96,965,000 | 81,747,000 | 119,724,000 |
| Securities held to maturity | 18,427,000 | 18,423,000 | 18,419,000 | 20,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,401,000 | 551,183,000 | 582,145,000 | 596,217,000 |
| Interest-bearing deposits | 516,670,000 | 535,080,000 | 558,533,000 | 574,875,000 |
| Noninterest-bearing deposits | 17,731,000 | 16,103,000 | 23,612,000 | 21,342,000 |
| Equity capital | 52,456,000 | 51,878,000 | 53,625,000 | 57,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,761,000 | 19,424,000 | 29,444,000 | 39,430,000 |
| Interest expense | 4,136,000 | 7,879,000 | 11,525,000 | 15,110,000 |
| Net interest income | 5,625,000 | 11,545,000 | 17,919,000 | 24,320,000 |
| Noninterest income | 1,651,000 | 3,518,000 | 5,367,000 | 7,087,000 |
| Noninterest expense | 5,186,000 | 10,555,000 | 16,174,000 | 21,766,000 |
| Provision for loan losses | 120,000 | 250,000 | 430,000 | 1,015,000 |
| Pretax income | 1,970,000 | 4,258,000 | 6,688,000 | 8,632,000 |
| Income tax | 550,000 | 1,202,000 | 1,928,000 | 2,142,000 |
| Net income | 1,420,000 | 3,056,000 | 4,760,000 | 6,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,767,000 | 52,403,000 | 54,107,000 | 56,337,000 |
| Total capital | 55,707,000 | 56,952,000 | 58,711,000 | 61,353,000 |
| Risk-weighted assets | 485,503,000 | 504,402,000 | 519,524,000 | 518,118,000 |