Call reports 2008
FIRST STATE BANK OF THE OZARKS — 2008
What FIRST STATE BANK OF THE OZARKS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 145,644,000 | 133,490,000 | 116,852,000 | 127,836,000 |
| Total loans | 65,059,000 | 66,302,000 | 70,482,000 | 78,094,000 |
| Allowance for loan losses | 850,000 | 944,000 | 967,000 | 992,000 |
| Securities available for sale | 26,295,000 | 38,763,000 | 32,726,000 | 25,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,109,000 | 116,893,000 | 100,476,000 | 111,453,000 |
| Interest-bearing deposits | 106,560,000 | 94,325,000 | 79,952,000 | 90,449,000 |
| Noninterest-bearing deposits | 21,549,000 | 22,568,000 | 20,524,000 | 21,004,000 |
| Equity capital | 14,249,000 | 13,809,000 | 13,528,000 | 12,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,924,000 | 3,707,000 | 5,355,000 | 6,892,000 |
| Interest expense | 705,000 | 1,255,000 | 1,694,000 | 2,047,000 |
| Net interest income | 1,219,000 | 2,452,000 | 3,661,000 | 4,845,000 |
| Noninterest income | 187,000 | 381,000 | 565,000 | 750,000 |
| Noninterest expense | 1,046,000 | 2,094,000 | 3,134,000 | 4,330,000 |
| Provision for loan losses | 45,000 | 141,000 | 141,000 | 676,000 |
| Pretax income | 349,000 | 632,000 | 985,000 | 623,000 |
| Income tax | 7,000 | 11,000 | 8,000 | 11,000 |
| Net income | 342,000 | 621,000 | 977,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,848,000 | 13,937,000 | 13,987,000 | 12,912,000 |
| Total capital | 14,698,000 | 14,881,000 | 14,954,000 | 13,904,000 |
| Risk-weighted assets | 84,743,000 | 86,028,000 | 85,505,000 | 94,220,000 |
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