Call reports 2008
COMMUNITY BANK OF THE RED RIVER VALLEY — 2008
What COMMUNITY BANK OF THE RED RIVER VALLEY 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 | 266,602,000 | 269,012,000 | 265,546,000 | 286,971,000 |
| Total loans | 186,908,000 | 191,857,000 | 203,820,000 | 209,759,000 |
| Allowance for loan losses | 2,242,000 | 2,249,000 | 2,373,000 | 2,576,000 |
| Securities available for sale | 40,697,000 | 47,157,000 | 28,941,000 | 31,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,456,000 | 231,261,000 | 225,245,000 | 245,528,000 |
| Interest-bearing deposits | 219,431,000 | 219,246,000 | 214,412,000 | 229,971,000 |
| Noninterest-bearing deposits | 13,025,000 | 12,015,000 | 10,833,000 | 15,557,000 |
| Equity capital | 28,495,000 | 29,110,000 | 30,174,000 | 31,648,000 |
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 | 4,272,000 | 8,071,000 | 11,881,000 | 15,577,000 |
| Interest expense | 1,372,000 | 2,489,000 | 3,499,000 | 4,426,000 |
| Net interest income | 2,900,000 | 5,582,000 | 8,382,000 | 11,151,000 |
| Noninterest income | 654,000 | 1,337,000 | 2,079,000 | 2,903,000 |
| Noninterest expense | 2,019,000 | 3,977,000 | 5,937,000 | 7,932,000 |
| Provision for loan losses | 0 | 0 | 130,000 | 430,000 |
| Pretax income | 1,536,000 | 2,943,000 | 4,395,000 | 5,693,000 |
| Income tax | 45,000 | 90,000 | 120,000 | 26,000 |
| Net income | 1,491,000 | 2,853,000 | 4,275,000 | 5,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,154,000 | 20,060,000 | 21,036,000 | 22,238,000 |
| Total capital | 21,396,000 | 22,309,000 | 23,409,000 | 24,814,000 |
| Risk-weighted assets | 211,914,000 | 208,122,000 | 215,086,000 | 225,855,000 |