Call reports 2004
OUACHITA INDEPENDENT BANK — 2004
What OUACHITA INDEPENDENT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 230,554,000 | 236,742,000 | 245,360,000 | 246,696,000 |
| Total loans | 172,701,000 | 185,665,000 | 191,797,000 | 194,839,000 |
| Allowance for loan losses | 1,776,000 | 1,841,000 | 1,964,000 | 2,030,000 |
| Securities available for sale | 24,218,000 | 27,278,000 | 25,449,000 | 25,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,244,000 | 192,739,000 | 202,332,000 | 206,451,000 |
| Interest-bearing deposits | 142,249,000 | 144,729,000 | 152,567,000 | 153,146,000 |
| Noninterest-bearing deposits | 48,995,000 | 48,010,000 | 49,765,000 | 53,306,000 |
| Equity capital | 19,627,000 | 19,828,000 | 20,765,000 | 21,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,834,000 | 5,798,000 | 9,035,000 | 12,481,000 |
| Interest expense | 613,000 | 1,253,000 | 1,998,000 | 2,850,000 |
| Net interest income | 2,221,000 | 4,545,000 | 7,037,000 | 9,631,000 |
| Noninterest income | 773,000 | 1,507,000 | 2,350,000 | 3,183,000 |
| Noninterest expense | 2,124,000 | 4,458,000 | 6,762,000 | 9,206,000 |
| Provision for loan losses | 0 | 67,000 | 67,000 | 32,000 |
| Pretax income | 870,000 | 1,527,000 | 2,568,000 | 3,586,000 |
| Income tax | 296,000 | 502,000 | 856,000 | 1,177,000 |
| Net income | 574,000 | 1,025,000 | 1,712,000 | 2,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,115,000 | 17,846,000 | 18,612,000 | 19,388,000 |
| Total capital | 18,891,000 | 19,687,000 | 20,576,000 | 21,418,000 |
| Risk-weighted assets | 177,051,000 | 189,108,000 | 196,594,000 | 203,787,000 |