Call reports 2005
OUACHITA INDEPENDENT BANK — 2005
What OUACHITA INDEPENDENT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 256,082,000 | 263,152,000 | 282,885,000 | 290,063,000 |
| Total loans | 189,684,000 | 204,010,000 | 211,228,000 | 203,020,000 |
| Allowance for loan losses | 2,025,000 | 2,020,000 | 2,051,000 | 2,077,000 |
| Securities available for sale | 29,991,000 | 29,616,000 | 28,369,000 | 36,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,563,000 | 219,128,000 | 238,021,000 | 245,055,000 |
| Interest-bearing deposits | 159,428,000 | 164,536,000 | 175,194,000 | 179,880,000 |
| Noninterest-bearing deposits | 54,135,000 | 54,592,000 | 62,827,000 | 65,175,000 |
| Equity capital | 21,864,000 | 22,899,000 | 23,555,000 | 24,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,537,000 | 7,445,000 | 11,632,000 | 16,177,000 |
| Interest expense | 906,000 | 1,891,000 | 3,020,000 | 4,304,000 |
| Net interest income | 2,631,000 | 5,554,000 | 8,612,000 | 11,873,000 |
| Noninterest income | 1,014,000 | 2,008,000 | 2,969,000 | 3,902,000 |
| Noninterest expense | 2,472,000 | 5,172,000 | 7,896,000 | 10,668,000 |
| Provision for loan losses | 0 | 0 | 82,000 | 134,000 |
| Pretax income | 1,173,000 | 2,405,000 | 3,587,000 | 4,957,000 |
| Income tax | 399,000 | 837,000 | 1,239,000 | 1,601,000 |
| Net income | 774,000 | 1,568,000 | 2,348,000 | 3,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,241,000 | 21,114,000 | 21,973,000 | 23,060,000 |
| Total capital | 22,266,000 | 23,134,000 | 24,024,000 | 25,137,000 |
| Risk-weighted assets | 202,500,000 | 214,515,000 | 226,814,000 | 228,948,000 |