Call reports 2005
COMMUNITY BANK OF THE RED RIVER VALLEY — 2005
What COMMUNITY BANK OF THE RED RIVER VALLEY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 217,647,000 | 214,825,000 | 258,145,000 | 269,403,000 |
| Total loans | 152,754,000 | 153,218,000 | 187,918,000 | 186,009,000 |
| Allowance for loan losses | 1,810,000 | 1,821,000 | 2,182,000 | 2,225,000 |
| Securities available for sale | 39,454,000 | 36,475,000 | 39,085,000 | 44,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,435,000 | 181,570,000 | 220,451,000 | 229,616,000 |
| Interest-bearing deposits | 151,544,000 | 151,028,000 | 180,969,000 | 182,796,000 |
| Noninterest-bearing deposits | 30,891,000 | 30,542,000 | 39,482,000 | 46,820,000 |
| Equity capital | 25,736,000 | 26,856,000 | 31,302,000 | 32,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,971,000 | 6,028,000 | 10,811,000 | 14,761,000 |
| Interest expense | 586,000 | 1,280,000 | 2,378,000 | 3,399,000 |
| Net interest income | 2,385,000 | 4,748,000 | 8,433,000 | 11,362,000 |
| Noninterest income | 524,000 | 1,066,000 | 1,833,000 | 2,454,000 |
| Noninterest expense | 1,757,000 | 3,537,000 | 6,064,000 | 8,151,000 |
| Provision for loan losses | 8,000 | 18,000 | 53,000 | 128,000 |
| Pretax income | 1,144,000 | 2,259,000 | 4,155,000 | 5,543,000 |
| Income tax | 22,000 | 63,000 | 194,000 | 235,000 |
| Net income | 1,122,000 | 2,196,000 | 3,961,000 | 5,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,482,000 | 17,555,000 | 21,913,000 | 23,260,000 |
| Total capital | 18,292,000 | 19,376,000 | 24,095,000 | 25,485,000 |
| Risk-weighted assets | 173,542,000 | 174,477,000 | 210,371,000 | 210,741,000 |