Call reports 2003
FIRST STATE BANK OF THE OZARKS — 2003
What FIRST STATE BANK OF THE OZARKS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 126,517,000 | 129,149,000 | 127,311,000 | 130,217,000 |
| Total loans | 70,008,000 | 67,750,000 | 63,538,000 | 62,190,000 |
| Allowance for loan losses | 1,179,000 | 1,255,000 | 1,146,000 | 1,061,000 |
| Securities available for sale | 24,184,000 | 24,905,000 | 35,059,000 | 35,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,730,000 | 109,525,000 | 110,965,000 | 114,150,000 |
| Interest-bearing deposits | 89,231,000 | 90,756,000 | 92,166,000 | 95,270,000 |
| Noninterest-bearing deposits | 17,499,000 | 18,769,000 | 18,799,000 | 18,880,000 |
| Equity capital | 8,953,000 | 8,960,000 | 9,010,000 | 9,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,628,000 | 3,176,000 | 4,729,000 | 6,269,000 |
| Interest expense | 638,000 | 1,244,000 | 1,769,000 | 2,184,000 |
| Net interest income | 990,000 | 1,932,000 | 2,960,000 | 4,085,000 |
| Noninterest income | 195,000 | 399,000 | 587,000 | 767,000 |
| Noninterest expense | 906,000 | 1,816,000 | 2,687,000 | 3,592,000 |
| Provision for loan losses | 98,000 | 186,000 | 186,000 | 196,000 |
| Pretax income | 244,000 | 492,000 | 837,000 | 1,227,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 235,000 | 474,000 | 810,000 | 1,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,647,000 | 8,689,000 | 8,938,000 | 9,062,000 |
| Total capital | 9,662,000 | 9,694,000 | 9,899,000 | 10,014,000 |
| Risk-weighted assets | 81,061,000 | 80,147,000 | 76,688,000 | 76,037,000 |
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