Ouachita Independent Bank

Ouachita Independent Bank is headquartered in Monroe and is the 20^th largest bank in the state of Louisiana. It is also the 1,082^nd largest bank in the nation. It was established in 1997 and as of December of 2012, it had grown to 170 employees at 13 locations. Ouachita Independent Bank's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics Ouachita Independent Bank FDIC Certificate # 34332 BankRate Report View Year Established 1997 Employees 170 Primary Regulator FDIC Assets and Liabilities Assets $622.23 million Loans $438.49 million Deposits $512.96 million Equity Capital $68.34 million Loan Loss Allowance $4.85 million Unbacked Noncurrent Loans $2.19 million Real Estate Owned $120,000 Historic Data - December 2011 Assets $567.66 million Equity Capital $64.16 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $2.10 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 1.81% Return on Equity 16.51% Interest Income $27.23 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Ouachita Independent Bank had $2.31 million in non-current loans and owned real-estate with $73.19 million in equity and loan loss allowances on hand to cover it. This gives Ouachita Independent Bank a Texas Ratio of 3.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ouachita Independent Bank held steady from 3.08% as of December 31, 2011 to 3.15% as of December 31, 2012, resulting in a negative change of 2.20%. This indicates that the balance sheet and financial strength for Ouachita Independent Bank has held steady in recent periods. Deposit Growth In the past year, Ouachita Independent Bank has increased its total deposits by $40.48 million, resulting in 8.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ouachita Independent Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ouachita Independent Bank has $622.23 million in assets with $73.19 million in equity, resulting in a capitalization level of 11.76%, which is above average.