← RED RIVER BANCSHARES INC
| Annual Trend | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Interest and Dividend Income | $66.9m |
$73.7m
+10.22%
|
$77.4m
+4.95%
|
$77.3m
-0.05%
|
$94.4m
+22.03%
|
$118.6m
+25.63%
|
$137.2m
+15.74%
|
$149.9m
+9.22%
|
— | |
| Total Noninterest Income | $14.5m | $16.0m | $23.2m | $24.5m | $18.7m | $21.1m | $20.4m | $20.0m | — | |
| Net Interest Income | $59.2m |
$63.6m
+7.43%
|
$69.0m
+8.42%
|
$71.7m
+3.94%
|
$86.6m
+20.80%
|
$86.4m
-0.23%
|
$89.3m
+3.30%
|
$105.6m
+18.21%
|
$112.4m
+6.49%
|
|
| Other operating expenses | $3.2m | $3.6m | $3.3m | $3.8m | $3.9m | $4.0m | $4.3m | $4.5m | — | |
| Total Operating Expenses | $43.4m | $47.3m | $51.4m | $54.3m | $58.7m | $63.9m | $66.2m | $70.1m | — | |
| INTEREST EXPENSE | ||||||||||
| Total Interest Expense | $7.6m | $10.1m | $8.4m | $5.6m | $7.7m | $32.1m | $47.9m | $44.3m | — | |
| Net Interest Income After Provision for Credit Losses | — | — | — | $69.8m |
$84.9m
+21.58%
|
$85.7m
+0.96%
|
$88.1m
+2.79%
|
$103.3m
+17.21%
|
$112.4m
+8.86%
|
|
| Gain (Loss) on equity securities | ($85k) | $115k | $85k | ($175k) | ($468k) | ($14k) | ($28k) | $94k | — | |
| Other income (loss) | $365k | $158k | $126k | $271k | $168k | $259k | $340k | $659k | — | |
| Income Before Income Tax Expense | $28.4m | $30.5m | $34.5m | $40.1m | $45.0m | $42.9m | $42.4m | $53.1m | $57.2m | |
| Income tax expense | $5.3m | $5.6m | $6.3m | $7.1m | $8.1m | $8.1m | $8.1m | $10.4m | $11.2m | |
| Net Income | $23.1m |
$24.8m
+7.67%
|
$28.1m
+13.38%
|
$33.0m
+17.08%
|
$36.9m
+12.03%
|
$34.9m
-5.52%
|
$34.2m
-1.85%
|
$42.8m
+24.91%
|
$46.0m
+7.45%
|
|
| Basic (in dollars per share) | $3.43 | $3.51 | $3.84 | $4.53 | $5.14 | $4.87 | $4.96 | $6.40 | — | |
| Diluted (in dollars per share) | $3.41 | $3.49 | $3.83 | $4.51 | $5.13 | $4.86 | $4.95 | $6.38 | — | |
| Interest and fees on loans | $58.7m | $64.6m | $69.2m | $67.9m | $75.8m | $93.4m | $109.0m | $120.0m | — | |
| Interest on securities | $7.0m | $7.2m | $7.6m | $8.7m | $13.7m | $14.3m | $17.1m | $21.3m | — | |
| Interest on federal funds sold | $356k | $753k | $207k | $88k | $1.1m | $886k | $0 | $0 | — | |
| Interest on deposits in other banks | $798k | $1.1m | $322k | $658k | $3.7m | $9.8m | $11.1m | $8.4m | — | |
| Dividends on stock | $34k | $34k | $20k | $10k | $40k | $155k | $95k | $93k | — | |
| Interest on deposits | $7.1m | $9.7m | $8.4m | $5.6m | $7.7m | $32.1m | $47.9m | $44.3m | — | |
| Interest on other borrowed funds | $7k | $0 | $16k | $0 | $0 | $64k | $0 | $0 | — | |
| Provision for credit losses | — | — | — | $1.9m | $1.8m | $735k | $1.2m | $2.3m | — | |
| Service charges on deposit accounts | $4.6m | $4.6m | $4.1m | $4.8m | $5.6m | $5.8m | $5.7m | $5.6m | — | |
| Debit card income, net | $3.0m | $3.1m | $3.6m | $4.4m | $3.9m | $3.6m | $3.8m | $3.8m | — | |
| Mortgage loan income | $2.1m | $3.0m | $8.4m | $8.7m | $3.1m | $2.0m | $2.5m | $2.4m | — | |
| Brokerage income | $1.9m | $2.1m | $2.3m | $3.3m | $3.5m | $3.8m | $3.8m | $4.7m | — | |
| Loan and deposit income | $1.4m | $1.5m | $1.7m | $1.7m | $1.7m | $2.1m | $2.0m | $1.7m | — | |
| Bank-owned life insurance income | $732k | $544k | $568k | $648k | $713k | $754k | $851k | $887k | — | |
| SBIC income (loss) | $509k | $819k | $775k | $654k | $563k | $2.9m | $1.5m | $55k | — | |
| Personnel expenses | $26.1m | $27.8m | $31.2m | $32.4m | $34.6m | $37.2m | $38.6m | $41.7m | — | |
| Occupancy and equipment expenses | $4.5m | $5.0m | $5.1m | $5.4m | $6.1m | $6.6m | $6.7m | $7.1m | $7.4m | |
| Technology expenses | $2.1m | $2.3m | $2.5m | $2.8m | $2.8m | $2.8m | $3.2m | $3.4m | — | |
| Advertising | $762k | $1.0m | $933k | $921k | $1.1m | $1.3m | $1.4m | $1.2m | — | |
| Other business development expenses | $1.1m | $1.1m | $1.0m | $1.2m | $1.6m | $2.0m | $2.1m | $2.1m | — | |
| Data processing expense | $1.4m | $1.9m | $1.9m | $2.0m | $2.1m | $2.3m | $2.3m | $2.4m | — | |
| Other taxes | $1.3m | $1.6m | $1.7m | $2.1m | $2.7m | $2.7m | $2.4m | $2.4m | — | |
| Loan and deposit expenses | $852k | $1.1m | $1.1m | $1.0m | $659k | $984k | $895k | $1.1m | — | |
| Legal and professional expenses | $1.4m | $1.5m | $2.1m | $1.7m | $2.0m | $2.4m | $2.7m | $2.4m | — | |
| Regulatory assessment expenses | $642k | $351k | $538k | $933k | $1.1m | $1.6m | $1.7m | $1.6m | — |