Call reports 2004
COMMUNITY BANK OF THE RED RIVER VALLEY — 2004
What COMMUNITY BANK OF THE RED RIVER VALLEY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 216,092,000 | 218,208,000 | 221,069,000 | 228,836,000 |
| Total loans | 141,673,000 | 146,216,000 | 150,519,000 | 152,113,000 |
| Allowance for loan losses | 1,891,000 | 1,869,000 | 1,831,000 | 1,781,000 |
| Securities available for sale | 49,817,000 | 46,227,000 | 44,738,000 | 47,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,692,000 | 190,402,000 | 182,064,000 | 192,498,000 |
| Interest-bearing deposits | 155,624,000 | 158,443,000 | 150,415,000 | 154,435,000 |
| Noninterest-bearing deposits | 31,068,000 | 31,959,000 | 31,649,000 | 38,063,000 |
| Equity capital | 26,065,000 | 26,286,000 | 27,405,000 | 28,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,895,000 | 5,789,000 | 8,762,000 | 11,769,000 |
| Interest expense | 553,000 | 1,084,000 | 1,600,000 | 2,120,000 |
| Net interest income | 2,342,000 | 4,705,000 | 7,162,000 | 9,649,000 |
| Noninterest income | 556,000 | 1,139,000 | 1,792,000 | 2,335,000 |
| Noninterest expense | 1,717,000 | 3,362,000 | 5,055,000 | 6,767,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 30,000 |
| Pretax income | 1,230,000 | 2,531,000 | 3,928,000 | 5,236,000 |
| Income tax | 433,000 | 885,000 | 1,396,000 | 1,869,000 |
| Net income | 797,000 | 1,646,000 | 2,532,000 | 3,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,156,000 | 17,005,000 | 17,891,000 | 18,727,000 |
| Total capital | 18,047,000 | 18,874,000 | 19,722,000 | 20,508,000 |
| Risk-weighted assets | 157,051,000 | 161,750,000 | 166,245,000 | 169,548,000 |
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