Call reports 2014
COMMERCIAL BANK OF OZARK, THE — 2014
What COMMERCIAL BANK OF OZARK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,895,000 | 82,618,000 | 81,174,000 | 84,244,000 |
| Total loans | 35,117,000 | 36,013,000 | 35,228,000 | 34,697,000 |
| Allowance for loan losses | 555,000 | 549,000 | 542,000 | 465,000 |
| Securities available for sale | 28,152,000 | 29,643,000 | 31,191,000 | 32,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,195,000 | 74,577,000 | 73,007,000 | 76,120,000 |
| Interest-bearing deposits | 59,883,000 | 60,191,000 | 59,301,000 | 62,368,000 |
| Noninterest-bearing deposits | 12,312,000 | 14,386,000 | 13,706,000 | 13,752,000 |
| Equity capital | 6,495,000 | 6,791,000 | 6,875,000 | 6,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,438,000 | 2,160,000 | 2,873,000 |
| Interest expense | 50,000 | 99,000 | 146,000 | 193,000 |
| Net interest income | 634,000 | 1,339,000 | 2,014,000 | 2,680,000 |
| Noninterest income | 141,000 | 267,000 | 413,000 | 554,000 |
| Noninterest expense | 766,000 | 1,513,000 | 2,271,000 | 3,027,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 44,000 |
| Pretax income | 4,000 | 88,000 | 151,000 | 153,000 |
| Income tax | 0 | 9,000 | 9,000 | -4,000 |
| Net income | 4,000 | 79,000 | 142,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,686,000 | 6,746,000 | 6,798,000 | 6,764,000 |
| Total capital | 7,171,000 | 7,281,000 | 7,306,000 | 7,229,000 |
| Risk-weighted assets | 39,514,000 | 42,755,000 | 40,692,000 | 41,821,000 |