Call reports 2002
OUACHITA INDEPENDENT BANK — 2002
What OUACHITA INDEPENDENT BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 184,271,000 | 184,102,000 | 195,472,000 | 201,080,000 |
| Total loans | 124,598,000 | 139,050,000 | 146,935,000 | 149,768,000 |
| Allowance for loan losses | 1,278,000 | 1,475,000 | 1,490,000 | 1,568,000 |
| Securities available for sale | 22,221,000 | 25,193,000 | 23,327,000 | 24,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,854,000 | 156,200,000 | 160,737,000 | 165,616,000 |
| Interest-bearing deposits | 120,048,000 | 118,261,000 | 122,210,000 | 124,612,000 |
| Noninterest-bearing deposits | 34,806,000 | 37,939,000 | 38,527,000 | 41,004,000 |
| Equity capital | 14,142,000 | 14,701,000 | 15,513,000 | 16,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 5,464,000 | 8,359,000 | 11,287,000 |
| Interest expense | 810,000 | 1,582,000 | 2,370,000 | 3,122,000 |
| Net interest income | 1,837,000 | 3,882,000 | 5,989,000 | 8,165,000 |
| Noninterest income | 341,000 | 772,000 | 1,327,000 | 1,883,000 |
| Noninterest expense | 1,480,000 | 3,051,000 | 4,720,000 | 6,458,000 |
| Provision for loan losses | 0 | 283,000 | 333,000 | 567,000 |
| Pretax income | 698,000 | 1,320,000 | 2,263,000 | 3,023,000 |
| Income tax | 237,000 | 420,000 | 730,000 | 977,000 |
| Net income | 461,000 | 900,000 | 1,533,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,264,000 | 11,621,000 | 12,333,000 | 12,927,000 |
| Total capital | 12,542,000 | 13,096,000 | 13,823,000 | 14,495,000 |
| Risk-weighted assets | 124,699,000 | 141,512,000 | 147,016,000 | 152,364,000 |