Call reports 2003
COMMUNITY BANK OF THE RED RIVER VALLEY — 2003
What COMMUNITY BANK OF THE RED RIVER VALLEY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,403,000 | 110,959,000 | 228,986,000 | 232,344,000 |
| Total loans | 72,349,000 | 77,480,000 | 141,546,000 | 142,807,000 |
| Allowance for loan losses | 1,104,000 | 1,101,000 | 1,895,000 | 1,899,000 |
| Securities available for sale | 24,018,000 | 23,661,000 | 52,513,000 | 56,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,551,000 | 97,725,000 | 198,260,000 | 201,589,000 |
| Interest-bearing deposits | 80,337,000 | 80,785,000 | 161,996,000 | 162,785,000 |
| Noninterest-bearing deposits | 15,214,000 | 16,940,000 | 36,264,000 | 38,804,000 |
| Equity capital | 9,850,000 | 10,407,000 | 26,594,000 | 27,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,584,000 | 3,169,000 | 9,569,000 | 12,720,000 |
| Interest expense | 359,000 | 712,000 | 1,762,000 | 2,254,000 |
| Net interest income | 1,225,000 | 2,457,000 | 7,807,000 | 10,466,000 |
| Noninterest income | 268,000 | 562,000 | 1,677,000 | 2,217,000 |
| Noninterest expense | 763,000 | 1,508,000 | 5,333,000 | 7,151,000 |
| Provision for loan losses | 5,000 | 13,000 | 55,000 | 55,000 |
| Pretax income | 725,000 | 1,498,000 | 4,096,000 | 5,470,000 |
| Income tax | 278,000 | 574,000 | 1,432,000 | 1,921,000 |
| Net income | 447,000 | 924,000 | 2,664,000 | 3,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,062,000 | 8,539,000 | 16,700,000 | 17,584,000 |
| Total capital | 9,045,000 | 9,577,000 | 18,595,000 | 19,483,000 |
| Risk-weighted assets | 78,535,000 | 83,010,000 | 157,539,000 | 161,530,000 |