Call reports 2015
RED RIVER BANK — 2015
What RED RIVER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,469,413,000 | 1,448,985,000 | 1,469,422,000 | 1,492,314,000 |
| Total loans | 967,577,000 | 985,261,000 | 1,004,009,000 | 1,036,201,000 |
| Allowance for loan losses | 8,973,000 | 9,127,000 | 9,240,000 | 9,511,000 |
| Securities available for sale | 312,541,000 | 323,954,000 | 309,820,000 | 294,885,000 |
| Securities held to maturity | 14,956,000 | 11,994,000 | 11,641,000 | 11,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,320,833,000 | 1,302,283,000 | 1,316,063,000 | 1,337,200,000 |
| Interest-bearing deposits | 955,380,000 | 938,110,000 | 935,178,000 | 941,629,000 |
| Noninterest-bearing deposits | 365,453,000 | 364,173,000 | 380,885,000 | 395,571,000 |
| Equity capital | 138,295,000 | 138,585,000 | 144,261,000 | 146,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 12,117,000 | 24,467,000 | 37,379,000 | 50,372,000 |
| Interest expense | 1,450,000 | 2,984,000 | 4,532,000 | 6,083,000 |
| Net interest income | 10,667,000 | 21,483,000 | 32,847,000 | 44,289,000 |
| Noninterest income | 2,921,000 | 5,918,000 | 9,291,000 | 12,426,000 |
| Noninterest expense | 8,927,000 | 18,212,000 | 27,623,000 | 37,252,000 |
| Provision for loan losses | 180,000 | 360,000 | 610,000 | 946,000 |
| Pretax income | 4,633,000 | 9,060,000 | 14,165,000 | 18,878,000 |
| Income tax | 1,221,000 | 2,363,000 | 3,583,000 | 4,744,000 |
| Net income | 3,412,000 | 6,697,000 | 10,582,000 | 14,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,158,000 | 137,426,000 | 141,364,000 | 144,879,000 |
| Total capital | 143,144,000 | 146,553,000 | 150,610,000 | 154,390,000 |
| Risk-weighted assets | 1,032,323,000 | 1,053,887,000 | 1,064,706,000 | 1,091,687,000 |