Call reports 2007
COMMERCIAL BANK OF OZARK, THE — 2007
What COMMERCIAL BANK OF OZARK, THE 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 | 68,456,000 | 69,780,000 | 68,372,000 | 69,151,000 |
| Total loans | 37,355,000 | 39,237,000 | 39,332,000 | 40,415,000 |
| Allowance for loan losses | 580,000 | 628,000 | 611,000 | 646,000 |
| Securities available for sale | 13,964,000 | 13,984,000 | 14,133,000 | 15,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,409,000 | 62,365,000 | 61,188,000 | 61,726,000 |
| Interest-bearing deposits | 53,598,000 | 54,203,000 | 52,765,000 | 52,961,000 |
| Noninterest-bearing deposits | 7,811,000 | 8,162,000 | 8,423,000 | 8,765,000 |
| Equity capital | 5,071,000 | 5,216,000 | 5,331,000 | 5,499,000 |
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 | 1,085,000 | 2,252,000 | 3,421,000 | 4,607,000 |
| Interest expense | 353,000 | 733,000 | 1,116,000 | 1,485,000 |
| Net interest income | 732,000 | 1,519,000 | 2,305,000 | 3,122,000 |
| Noninterest income | 207,000 | 373,000 | 567,000 | 767,000 |
| Noninterest expense | 684,000 | 1,394,000 | 2,114,000 | 2,815,000 |
| Provision for loan losses | 70,000 | 115,000 | 160,000 | 205,000 |
| Pretax income | 185,000 | 383,000 | 598,000 | 869,000 |
| Income tax | 357,000 | 364,000 | 387,000 | 389,000 |
| Net income | -172,000 | 19,000 | 211,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,097,000 | 5,288,000 | 5,292,000 | 5,387,000 |
| Total capital | 5,609,000 | 5,825,000 | 5,830,000 | 5,939,000 |
| Risk-weighted assets | 40,952,000 | 42,922,000 | 42,954,000 | 44,171,000 |
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