Call reports 2003
COMMERCIAL BANK OF OZARK, THE — 2003
What COMMERCIAL BANK OF OZARK, THE 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 | 59,092,000 | 60,386,000 | 60,445,000 | 57,332,000 |
| Total loans | 40,532,000 | 41,126,000 | 40,743,000 | 40,353,000 |
| Allowance for loan losses | 468,000 | 479,000 | 483,000 | 484,000 |
| Securities available for sale | 4,684,000 | 4,455,000 | 7,839,000 | 7,823,000 |
| Securities held to maturity | 516,000 | 509,000 | 8,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,361,000 | 51,185,000 | 51,138,000 | 48,183,000 |
| Interest-bearing deposits | 42,807,000 | 44,072,000 | 44,100,000 | 41,429,000 |
| Noninterest-bearing deposits | 6,554,000 | 7,113,000 | 7,038,000 | 6,754,000 |
| Equity capital | 4,698,000 | 4,840,000 | 4,872,000 | 4,777,000 |
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 | 929,000 | 1,838,000 | 2,739,000 | 3,606,000 |
| Interest expense | 264,000 | 520,000 | 756,000 | 964,000 |
| Net interest income | 665,000 | 1,318,000 | 1,983,000 | 2,642,000 |
| Noninterest income | 152,000 | 309,000 | 458,000 | 614,000 |
| Noninterest expense | 588,000 | 1,147,000 | 1,738,000 | 2,399,000 |
| Provision for loan losses | 60,000 | 110,000 | 170,000 | 230,000 |
| Pretax income | 169,000 | 370,000 | 533,000 | 627,000 |
| Income tax | 60,000 | 121,000 | 182,000 | 148,000 |
| Net income | 109,000 | 249,000 | 351,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,597,000 | 4,726,000 | 4,812,000 | 4,726,000 |
| Total capital | 5,065,000 | 5,205,000 | 5,295,000 | 5,210,000 |
| Risk-weighted assets | 39,303,000 | 39,860,000 | 39,358,000 | 38,919,000 |
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