Call reports 2008
COMMERCIAL BANK OF OZARK, THE — 2008
What COMMERCIAL BANK OF OZARK, THE 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 | 73,419,000 | 73,440,000 | 72,259,000 | 72,379,000 |
| Total loans | 42,749,000 | 41,266,000 | 44,368,000 | 47,029,000 |
| Allowance for loan losses | 722,000 | 710,000 | 678,000 | 750,000 |
| Securities available for sale | 17,282,000 | 17,634,000 | 17,318,000 | 16,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,629,000 | 65,942,000 | 62,958,000 | 58,577,000 |
| Interest-bearing deposits | 57,076,000 | 56,699,000 | 55,021,000 | 50,461,000 |
| Noninterest-bearing deposits | 8,553,000 | 9,243,000 | 7,937,000 | 8,117,000 |
| Equity capital | 5,845,000 | 5,652,000 | 5,784,000 | 6,047,000 |
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 | 1,159,000 | 2,244,000 | 3,274,000 | 4,310,000 |
| Interest expense | 339,000 | 634,000 | 890,000 | 1,152,000 |
| Net interest income | 820,000 | 1,610,000 | 2,384,000 | 3,158,000 |
| Noninterest income | 190,000 | 386,000 | 601,000 | 787,000 |
| Noninterest expense | 733,000 | 1,461,000 | 2,209,000 | 2,925,000 |
| Provision for loan losses | 45,000 | 93,000 | 130,000 | 219,000 |
| Pretax income | 232,000 | 442,000 | 646,000 | 801,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 40,000 |
| Net income | 224,000 | 427,000 | 623,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,636,000 | 5,692,000 | 5,801,000 | 5,729,000 |
| Total capital | 5,645,000 | 5,692,000 | 5,801,000 | 6,335,000 |
| Risk-weighted assets | 46,567,000 | 51,344,000 | 46,119,000 | 48,535,000 |
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