Call reports 2025
FIRST STATE BANK OF THE OZARKS — 2025
What FIRST STATE BANK OF THE OZARKS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 237,990,000 | 237,027,000 | 240,138,000 | 239,156,000 |
| Total loans | 147,385,000 | 153,383,000 | 156,147,000 | 161,357,000 |
| Allowance for loan losses | 1,567,000 | 1,451,000 | 1,531,000 | 1,594,000 |
| Securities available for sale | 35,539,000 | 37,324,000 | 38,179,000 | 34,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,285,000 | 211,594,000 | 213,678,000 | 212,031,000 |
| Interest-bearing deposits | 140,727,000 | 146,629,000 | 149,591,000 | 151,000,000 |
| Noninterest-bearing deposits | 72,558,000 | 64,965,000 | 64,087,000 | 61,031,000 |
| Equity capital | 16,301,000 | 16,993,000 | 17,814,000 | 18,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,203,000 | 6,517,000 | 9,885,000 | 13,378,000 |
| Interest expense | 1,111,000 | 2,209,000 | 3,314,000 | 4,403,000 |
| Net interest income | 2,092,000 | 4,308,000 | 6,571,000 | 8,975,000 |
| Noninterest income | 233,000 | 667,000 | 945,000 | 1,239,000 |
| Noninterest expense | 1,568,000 | 3,184,000 | 4,954,000 | 6,691,000 |
| Provision for loan losses | 75,000 | 150,000 | 236,000 | 411,000 |
| Pretax income | 682,000 | 1,641,000 | 2,326,000 | 3,112,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 682,000 | 1,641,000 | 2,326,000 | 3,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,337,000 | 18,996,000 | 19,281,000 | 19,667,000 |
| Total capital | 19,964,000 | 20,507,000 | 20,871,000 | 21,320,000 |
| Risk-weighted assets | 152,809,000 | 152,365,000 | 157,400,000 | 163,528,000 |
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