Call reports 2006
OUACHITA INDEPENDENT BANK — 2006
What OUACHITA INDEPENDENT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 289,423,000 | 294,608,000 | 309,720,000 | 321,461,000 |
| Total loans | 208,614,000 | 222,241,000 | 225,696,000 | 222,612,000 |
| Allowance for loan losses | 2,079,000 | 2,129,000 | 2,150,000 | 2,176,000 |
| Securities available for sale | 40,010,000 | 39,424,000 | 39,396,000 | 49,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,927,000 | 249,828,000 | 261,471,000 | 276,484,000 |
| Interest-bearing deposits | 177,938,000 | 181,154,000 | 192,568,000 | 199,423,000 |
| Noninterest-bearing deposits | 67,989,000 | 68,673,000 | 68,903,000 | 77,061,000 |
| Equity capital | 25,337,000 | 25,763,000 | 27,618,000 | 26,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,713,000 | 9,739,000 | 15,188,000 | 20,780,000 |
| Interest expense | 1,293,000 | 2,676,000 | 4,449,000 | 6,383,000 |
| Net interest income | 3,420,000 | 7,063,000 | 10,739,000 | 14,397,000 |
| Noninterest income | 966,000 | 2,052,000 | 2,994,000 | 4,009,000 |
| Noninterest expense | 2,759,000 | 5,677,000 | 8,592,000 | 11,567,000 |
| Provision for loan losses | 0 | 80,000 | 115,000 | 140,000 |
| Pretax income | 1,627,000 | 3,358,000 | 4,801,000 | 6,474,000 |
| Income tax | 558,000 | 1,113,000 | 1,573,000 | 2,092,000 |
| Net income | 1,069,000 | 2,245,000 | 3,228,000 | 4,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,208,000 | 25,163,000 | 26,225,000 | 25,559,000 |
| Total capital | 26,287,000 | 27,292,000 | 28,375,000 | 27,735,000 |
| Risk-weighted assets | 231,810,000 | 241,016,000 | 248,920,000 | 247,856,000 |