Call reports 2003
OUACHITA INDEPENDENT BANK — 2003
What OUACHITA INDEPENDENT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 204,548,000 | 213,568,000 | 230,328,000 | 225,859,000 |
| Total loans | 151,422,000 | 159,635,000 | 172,729,000 | 171,758,000 |
| Allowance for loan losses | 1,619,000 | 1,664,000 | 1,811,000 | 1,708,000 |
| Securities available for sale | 25,035,000 | 25,858,000 | 24,191,000 | 23,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,845,000 | 177,864,000 | 181,649,000 | 188,525,000 |
| Interest-bearing deposits | 129,224,000 | 135,721,000 | 136,575,000 | 139,668,000 |
| Noninterest-bearing deposits | 37,621,000 | 42,143,000 | 45,074,000 | 48,857,000 |
| Equity capital | 17,548,000 | 17,972,000 | 18,399,000 | 18,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,974,000 | 5,960,000 | 9,102,000 | 11,970,000 |
| Interest expense | 685,000 | 1,369,000 | 2,016,000 | 2,642,000 |
| Net interest income | 2,289,000 | 4,591,000 | 7,086,000 | 9,328,000 |
| Noninterest income | 560,000 | 1,106,000 | 1,624,000 | 2,294,000 |
| Noninterest expense | 1,865,000 | 3,976,000 | 6,015,000 | 8,053,000 |
| Provision for loan losses | 50,000 | 95,000 | 290,000 | 369,000 |
| Pretax income | 934,000 | 1,626,000 | 2,405,000 | 3,237,000 |
| Income tax | 316,000 | 533,000 | 769,000 | 1,018,000 |
| Net income | 618,000 | 1,093,000 | 1,636,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,623,000 | 15,177,000 | 15,799,000 | 16,461,000 |
| Total capital | 16,242,000 | 16,841,000 | 17,610,000 | 18,169,000 |
| Risk-weighted assets | 152,011,000 | 157,915,000 | 173,700,000 | 178,016,000 |