Call reports 2007
OUACHITA INDEPENDENT BANK — 2007
What OUACHITA INDEPENDENT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 332,350,000 | 341,648,000 | 354,232,000 | 357,225,000 |
| Total loans | 236,776,000 | 252,478,000 | 255,798,000 | 247,816,000 |
| Allowance for loan losses | 2,297,000 | 2,384,000 | 2,402,000 | 2,222,000 |
| Securities available for sale | 52,492,000 | 53,886,000 | 54,544,000 | 66,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,362,000 | 282,222,000 | 292,596,000 | 296,582,000 |
| Interest-bearing deposits | 213,145,000 | 209,741,000 | 219,278,000 | 221,216,000 |
| Noninterest-bearing deposits | 73,217,000 | 72,481,000 | 73,319,000 | 75,366,000 |
| Equity capital | 28,092,000 | 23,966,000 | 25,734,000 | 27,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,770,000 | 11,834,000 | 18,142,000 | 24,391,000 |
| Interest expense | 2,068,000 | 4,213,000 | 6,614,000 | 8,980,000 |
| Net interest income | 3,702,000 | 7,621,000 | 11,528,000 | 15,411,000 |
| Noninterest income | 1,069,000 | 2,349,000 | 3,679,000 | 4,948,000 |
| Noninterest expense | 3,063,000 | 6,278,000 | 9,677,000 | 13,156,000 |
| Provision for loan losses | 110,000 | 210,000 | 235,000 | 235,000 |
| Pretax income | 1,598,000 | 3,483,000 | 5,296,000 | 6,960,000 |
| Income tax | 498,000 | 1,088,000 | 1,649,000 | 2,151,000 |
| Net income | 1,100,000 | 2,395,000 | 3,647,000 | 4,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,738,000 | 23,263,000 | 24,593,000 | 25,834,000 |
| Total capital | 29,035,000 | 25,647,000 | 26,995,000 | 28,056,000 |
| Risk-weighted assets | 264,066,000 | 278,289,000 | 283,295,000 | 284,442,000 |