Call reports 2011
COMMERCIAL BANK OF OZARK, THE — 2011
What COMMERCIAL BANK OF OZARK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 73,485,000 | 73,266,000 | 75,060,000 | 76,257,000 |
| Total loans | 46,252,000 | 46,225,000 | 44,967,000 | 42,944,000 |
| Allowance for loan losses | 739,000 | 702,000 | 627,000 | 706,000 |
| Securities available for sale | 14,619,000 | 14,764,000 | 16,445,000 | 18,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,120,000 | 65,519,000 | 67,007,000 | 68,360,000 |
| Interest-bearing deposits | 56,479,000 | 49,248,000 | 58,295,000 | 61,095,000 |
| Noninterest-bearing deposits | 9,641,000 | 16,271,000 | 8,712,000 | 7,265,000 |
| Equity capital | 6,207,000 | 6,532,000 | 6,766,000 | 6,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 856,000 | 1,734,000 | 2,626,000 | 3,490,000 |
| Interest expense | 108,000 | 200,000 | 283,000 | 360,000 |
| Net interest income | 748,000 | 1,534,000 | 2,343,000 | 3,130,000 |
| Noninterest income | 138,000 | 278,000 | 376,000 | 385,000 |
| Noninterest expense | 778,000 | 1,582,000 | 2,348,000 | 3,124,000 |
| Provision for loan losses | 30,000 | 0 | 23,000 | 109,000 |
| Pretax income | 78,000 | 230,000 | 359,000 | 293,000 |
| Income tax | 11,000 | 22,000 | 30,000 | 8,000 |
| Net income | 67,000 | 208,000 | 329,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,061,000 | 6,204,000 | 6,273,000 | 6,214,000 |
| Total capital | 6,638,000 | 6,779,000 | 6,855,000 | 6,767,000 |
| Risk-weighted assets | 46,040,000 | 45,884,000 | 46,398,000 | 44,036,000 |