Call reports 2007
FIRST STATE BANK OF THE OZARKS — 2007
What FIRST STATE BANK OF THE OZARKS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 131,199,000 | 154,004,000 | 122,275,000 | 134,758,000 |
| Total loans | 65,587,000 | 66,489,000 | 70,064,000 | 64,293,000 |
| Allowance for loan losses | 997,000 | 1,046,000 | 956,000 | 882,000 |
| Securities available for sale | 41,313,000 | 39,978,000 | 35,398,000 | 31,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,691,000 | 138,624,000 | 105,719,000 | 116,726,000 |
| Interest-bearing deposits | 93,718,000 | 115,180,000 | 83,100,000 | 95,114,000 |
| Noninterest-bearing deposits | 22,973,000 | 23,444,000 | 22,619,000 | 21,612,000 |
| Equity capital | 12,848,000 | 12,785,000 | 13,338,000 | 14,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,179,000 | 4,388,000 | 6,737,000 | 8,846,000 |
| Interest expense | 893,000 | 1,727,000 | 2,598,000 | 3,340,000 |
| Net interest income | 1,286,000 | 2,661,000 | 4,139,000 | 5,506,000 |
| Noninterest income | 217,000 | 455,000 | 631,000 | 1,185,000 |
| Noninterest expense | 1,051,000 | 2,138,000 | 3,186,000 | 4,255,000 |
| Provision for loan losses | 58,000 | 108,000 | 454,000 | 574,000 |
| Pretax income | 394,000 | 870,000 | 1,130,000 | 1,862,000 |
| Income tax | 8,000 | 5,000 | 12,000 | 20,000 |
| Net income | 386,000 | 865,000 | 1,118,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,951,000 | 12,211,000 | 12,472,000 | 13,863,000 |
| Total capital | 12,948,000 | 13,257,000 | 13,428,000 | 14,745,000 |
| Risk-weighted assets | 83,751,000 | 89,001,000 | 84,065,000 | 82,082,000 |
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