Ouachita Independent Bank

Ouachita Independent Bank is headquartered in Monroe and is the 21^st largest bank in the state of Louisiana. It is also the 1,217^st largest bank in the nation. It was established in 1997 and as of September of 2011, it had grown to 165 employees at 12 locations. Ouachita Independent Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics Ouachita Independent Bank FDIC Certificate # 34332 BankRate Report View Year Established 1997 Employees 165 Primary Regulator FDIC Assets and Liabilities Assets $550.82 million Loans $356.79 million Deposits $453.24 million Equity Capital $61.54 million Loan Loss Allowance $3.83 million Unbacked Noncurrent Loans $618,000 Historic Data - September 2010 Assets $483.11 million Equity Capital $41.79 million Loan Loss Allowance $3.13 million Unbacked Noncurrent Loans $269,000 Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 1.82% Return on Equity 19.38% Interest Income $18.59 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 September 30, 2011 Ouachita Independent Bank had $618,000 in non-current loans and owned real-estate with $65.37 million in equity and loan loss allowances on hand to cover it. This gives Ouachita Independent Bank a Texas Ratio of 0.95% 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 0.60% as of September 30, 2010 to 0.95% as of September 30, 2011, resulting in a negative change of 57.87%. 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 $46.37 million, resulting in 11.4% 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 $550.82 million in assets with $65.37 million in equity, resulting in a capitalization level of 11.87%, which is above average.