Call reports 2005
COMMERCIAL BANK OF OZARK, THE — 2005
What COMMERCIAL BANK OF OZARK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,553,000 | 63,916,000 | 63,712,000 | 64,290,000 |
| Total loans | 41,549,000 | 40,223,000 | 39,355,000 | 38,140,000 |
| Allowance for loan losses | 470,000 | 406,000 | 444,000 | 424,000 |
| Securities available for sale | 8,477,000 | 9,536,000 | 9,805,000 | 10,625,000 |
| Securities held to maturity | 2,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,298,000 | 56,106,000 | 56,100,000 | 56,769,000 |
| Interest-bearing deposits | 49,735,000 | 48,535,000 | 47,741,000 | 47,772,000 |
| Noninterest-bearing deposits | 7,563,000 | 7,571,000 | 8,359,000 | 8,997,000 |
| Equity capital | 4,741,000 | 4,859,000 | 4,914,000 | 4,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,721,000 | 2,607,000 | 3,555,000 |
| Interest expense | 203,000 | 426,000 | 657,000 | 908,000 |
| Net interest income | 636,000 | 1,295,000 | 1,950,000 | 2,647,000 |
| Noninterest income | 154,000 | 313,000 | 500,000 | 691,000 |
| Noninterest expense | 681,000 | 1,304,000 | 1,952,000 | 2,673,000 |
| Provision for loan losses | 48,000 | 108,000 | 178,000 | 218,000 |
| Pretax income | 91,000 | 196,000 | 320,000 | 447,000 |
| Income tax | 30,000 | 58,000 | 86,000 | 90,000 |
| Net income | 61,000 | 138,000 | 228,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,831,000 | 4,908,000 | 4,996,000 | 4,928,000 |
| Total capital | 5,301,000 | 5,314,000 | 5,440,000 | 5,352,000 |
| Risk-weighted assets | 41,861,000 | 40,712,000 | 41,157,000 | 40,315,000 |
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