Red River Bank in Alexandria, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Red River Bank in Alexandria, Louisiana (LA)
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Red River Bank - Overview

  • General
  • FDIC Certificate #: 34980
    Status: Active
    Federal Reserve ID: 2743244
    Bank Holding Company (Regulatory Top Holder): Red River Bancshares, Inc. (RSSDID: 2743235, Location: Alexandria, LA)
    Date Established: January 14, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 17 (Domestic: 17, Interstate: No)
    FDIC's unique #: 62154
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 14, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1412 Centre Court Drive, Suite 101, Alexandria, LA 71301
    County: Rapides
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Alexandria, LA (#220)
    Core Based Statistical Area (CBSA): Alexandria, LA (#10780)
    CBSA Metro Statistical Area: Alexandria, LA (#10780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $989.5 mil
    Equity capital: $89.4 mil
    Deposits held in domestic offices: $872.1 mil
    Return on assets (ROA): 1.07% ($10.6 mil)
    Quarterly return on assets: 1.16% ($11.5 mil)
    Return on Equity (ROE): 12.35% ($11.0 mil)
    Quarterly return on equity: 12.98% ($11.6 mil)
    Net income: $10.2 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 1.41% ($13,951.8 mil)
    Quarterly Pretax return on assets: 1.52% ($15,040.2 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 228Total employees (full-time equivalent)
  • $989,486Total assets
  • $44,529Cash and due from depository institutions
  • $23,344Interest-bearing balances
  • $296,331Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $600,119Net loans & leases
  • $8,532Loan loss allowance
  • $0Trading account assets
  • $25,082Bank premises and fixed assets
  • $29Other real estate owned
  • $167Goodwill and other intangibles
  • $989,486Life insurance assets
  • $23,229All other assets
  • $900,087Total liabilities and capital
  • $872,106Total liabilities
  • $644,441Total deposits
  • $872,106Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,139Trading liabilities
  • $0Other borrowed funds
  • $5,842Subordinated debt
  • $89,399All other liabilities
  • $89,399Total equity capital
  • $89,399Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $27,472Surplus
  • $60,927Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,017Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,762Income earned, not collected on loans
  • $0Earning assets
  • $3,766Long-term assets (5+ years)
  • $919,794Average Assets, year-to-date
  • $378,176Average Assets, quarterly
  • $952,408Volatile liabilities
  • $985,703Insider loans
  • $643,671FHLB advances
  • $984,107Loans and leases held for sale
  • $15,131Unused loan commitments
  • $11,620Tier 1 (core) risk-based capital
  • $84,131Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,511Total unused commitments
  • $115,525Restructured Loans and leases
  • $23,353Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,179Total interest income
  • $9,406Total interest expense
  • $30,773Net interest income
  • $810Provision for loan and lease losses
  • $8,395Total noninterest income
  • $0Fiduciary activities
  • $3,549Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,846Additional noninterest income
  • $25,122Total noninterest expense
  • $13,697Salaries and employee benefits
  • $3,390Premises and equipment expense
  • $8,035Additional noninterest expense
  • $13,236Pre-tax net operating income
  • $161Securities gains (losses)
  • $3,234Applicable income taxes
  • $10,163Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,163Net income attributable to bank
  • $0Net charge-offs
  • $10,163Cash dividends
  • $154Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 12.35%Return on equity (ROE)
  • 12.35%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 525.97%Credit loss provision to net charge-offs
  • 91.21%Efficiency ratio
  • 64,139Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 308.91%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 68.81%Net loans and leases to core deposits
  • 73.80%Equity capital to assets
  • 9.03%Core capital (leverage) ratio
  • 8.55%Tier 1 risk-based capital ratio
  • 13.07%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $952,408Average earning assets
  • $82,319Average equity
  • $887,415Average loans

List of branches

  • 16 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    062154Red River Bank1412 Centre Court Drive, Suite 101, Alexandria, LA 71301January 14, 1999Full Service Brick and Mortar
    1356734North Mall Branch3422 North Blvd., Alexandria, LA 71301May 30, 2000Full Service Brick and Mortar
    2357162Pineville Banking Center Branch3120 Highway 28 East, Pineville, LA 71360October 15, 1999Full Service Brick and Mortar
    3362718North Rapides Banking Center Branch4425 Monroe Highway, Pineville, LA 71360May 25, 2001Full Service Brick and Mortar
    45972Lecompte Branch1210 Wall Street, Lecompte, LA 71346September 02, 1902Full Service Brick and Mortar
    5219893Forest Hill Branch4292 Highway 112, Forest Hill, LA 71430January 22, 1979Full Service Brick and Mortar
    6219894Highway 71 Motor Branch1718 Highway 71 South, Lecompte, LA 71346June 16, 1980Limited Service Facility
    7429961Downtown Banking Center Branch600 Jackson Street, Alexandria, LA 71301April 19, 2004Full Service Brick and Mortar
    8452343Market Street Branch601 Market Street, Shreveport, LA 71101June 26, 2006Full Service Brick and Mortar
    10466354East Kings Branch1753 East 70th, Shreveport, LA 71105April 30, 2007Full Service Brick and Mortar
    11468819Provenance Branch1020 Bridgewater Avenue, Shreveport, LA 71106October 15, 2007Full Service Brick and Mortar
    12476972East Texas Banking Center2931 East Texas Street, Bossier City, LA 71111June 16, 2008Full Service Brick and Mortar
    13478511Hwy 28 West Banking Center Branch5631 Coliseum Boulevard, Alexandria, LA 71303July 30, 2007Full Service Brick and Mortar
    14478512Marksville Banking Center Branch447 East Tunica Drive, Marksville, LA 71351January 14, 2008Full Service Brick and Mortar
    15492959Airline Banking Center Branch3300 Airline Drive, Bossier City, LA 71111October 14, 2008Full Service Brick and Mortar
    17515969Shreveport Uptown Banking Center5868 Line Avenue, Shreveport, LA 71106January 24, 2011Full Service Brick and Mortar

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