Call reports 2008
OUACHITA INDEPENDENT BANK — 2008
What OUACHITA INDEPENDENT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 354,706,000 | 372,439,000 | 379,174,000 | 390,530,000 |
| Total loans | 253,848,000 | 266,898,000 | 262,739,000 | 261,460,000 |
| Allowance for loan losses | 2,263,000 | 2,376,000 | 2,361,000 | 2,386,000 |
| Securities available for sale | 67,248,000 | 63,891,000 | 63,985,000 | 70,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,575,000 | 308,747,000 | 317,242,000 | 328,634,000 |
| Interest-bearing deposits | 215,170,000 | 234,586,000 | 246,374,000 | 244,106,000 |
| Noninterest-bearing deposits | 74,405,000 | 74,161,000 | 70,867,000 | 84,528,000 |
| Equity capital | 29,565,000 | 29,427,000 | 29,159,000 | 30,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,836,000 | 11,390,000 | 17,015,000 | 22,253,000 |
| Interest expense | 1,897,000 | 3,474,000 | 5,116,000 | 6,558,000 |
| Net interest income | 3,939,000 | 7,916,000 | 11,899,000 | 15,695,000 |
| Noninterest income | 1,280,000 | 2,771,000 | 4,177,000 | 5,522,000 |
| Noninterest expense | 3,423,000 | 7,049,000 | 10,645,000 | 14,114,000 |
| Provision for loan losses | 50,000 | 175,000 | 175,000 | 325,000 |
| Pretax income | 1,879,000 | 3,637,000 | 2,653,000 | 4,225,000 |
| Income tax | 550,000 | 1,064,000 | 1,604,000 | 2,643,000 |
| Net income | 1,329,000 | 2,573,000 | 1,049,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,840,000 | 28,565,000 | 29,065,000 | 29,081,000 |
| Total capital | 30,103,000 | 30,941,000 | 31,426,000 | 31,467,000 |
| Risk-weighted assets | 293,013,000 | 304,044,000 | 305,566,000 | 308,378,000 |