Call reports 2004
FIRST STATE BANK OF THE OZARKS — 2004
What FIRST STATE BANK OF THE OZARKS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 139,138,000 | 134,280,000 | 134,657,000 | 145,379,000 |
| Total loans | 65,734,000 | 63,877,000 | 62,954,000 | 63,067,000 |
| Allowance for loan losses | 1,066,000 | 1,150,000 | 1,213,000 | 996,000 |
| Securities available for sale | 26,597,000 | 46,677,000 | 44,696,000 | 50,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,249,000 | 117,761,000 | 117,418,000 | 128,136,000 |
| Interest-bearing deposits | 100,790,000 | 97,374,000 | 95,652,000 | 106,428,000 |
| Noninterest-bearing deposits | 20,459,000 | 20,387,000 | 21,766,000 | 21,708,000 |
| Equity capital | 10,333,000 | 9,515,000 | 10,478,000 | 10,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 3,029,000 | 4,557,000 | 6,095,000 |
| Interest expense | 408,000 | 799,000 | 1,192,000 | 1,601,000 |
| Net interest income | 1,077,000 | 2,230,000 | 3,365,000 | 4,494,000 |
| Noninterest income | 273,000 | 525,000 | 756,000 | 1,000,000 |
| Noninterest expense | 972,000 | 1,954,000 | 2,906,000 | 3,861,000 |
| Provision for loan losses | 50,000 | 97,000 | 162,000 | 182,000 |
| Pretax income | 399,000 | 775,000 | 1,146,000 | 1,545,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 20,000 |
| Net income | 394,000 | 765,000 | 1,131,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,179,000 | 9,365,000 | 9,681,000 | 9,825,000 |
| Total capital | 10,168,000 | 10,341,000 | 10,656,000 | 10,821,000 |
| Risk-weighted assets | 79,038,000 | 77,931,000 | 77,741,000 | 80,366,000 |
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