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Ouachita Independent Bank

Monroe, LA · Cert 34332

FDIC · 12 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ouachita Independent Bank

Monroe, LA · Cert 34332

FDIC · 12 branches

Q4 2017

$703.4MAssets
$498.0MLoans
$600.5MDeposits
$79.8MEquity
Loan mix
79%RE $264.1M19%C&I $64.6M1%Consumer $4.8MQ4 2016Q4 2017
Deposit mix
70%Interest-bearing $417.9M30%Noninterest $182.5MQ4 2016Q4 2017

NIM

4.01%Q4 ’154.04%Q4 ’164.02%Q4 ’17+1%-1%

Non-interest income vs. expense

2.76%Q4 ’152.72%Q4 ’162.68%Q4 ’17+2%+1%

Market Position · Monroe, LA · 2017 SOD (annual) · 10.4% share · #4 of 16 inst. · $0.3B of $3.3B

11.4% Ouachita
2.6% Caddo
26.0% Morehouse
3.9% Bossier

Executive Summary

  • Earnings: ROA of 1.66%, down 6 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.21% of loans (+21 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.13%, up 46 bps from a year ago.
  • Funding: loans stand at 82.93% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.66%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-4 bps YoY

Efficiency Ratio (YTD, annualized)

61.70%+48 bps YoY

Tier 1 Leverage Ratio

11.13%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.72%1.68%1.65%1.67%1.66%-6 bps
Return on Equity16.26%16.00%15.77%15.86%15.54%-72 bps
Net Interest Margin3.64%3.63%3.49%3.56%3.60%-4 bps
Efficiency Ratio61.22%61.07%61.36%61.17%61.70%+48 bps
Non-Interest Burden1.92%1.93%1.85%1.88%1.93%+2 bps
Growth
Asset Growth (YoY)3.15%8.91%10.13%6.04%4.43%+128 bps
Loan Growth (YoY)6.68%9.07%3.10%0.59%0.65%-603 bps
Deposit Growth (YoY)1.54%5.09%7.65%5.46%5.19%+365 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.16%0.17%0.20%0.21%+21 bps
Net Charge-Offs / Loans0.01%-0.01%0.01%0.02%0.02%+1 bps
Allowance / Loans1.01%1.00%1.01%1.00%0.99%-2 bps
Allowance Coverage of NPLsn/a6.4x5.9x4.9x4.7xn/a
Capital
Tier 1 Leverage Ratio10.67%10.79%10.33%10.70%11.13%+46 bps
Total Risk-Based Capital14.34%14.67%14.79%15.24%15.77%+143 bps
Equity / Assets10.73%10.28%10.45%10.74%11.34%+61 bps
Liquidity & Funding
Loans / Deposits86.67%82.09%80.75%81.80%82.93%-374 bps
Liquid Assets / Assets0.18%7.22%7.31%5.38%2.20%+202 bps
CRE / Total Capitaln/an/an/an/an/an/an/a