Call reports 2015
COMMERCIAL BANK OF OZARK, THE — 2015
What COMMERCIAL BANK OF OZARK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 84,620,000 | 85,567,000 | 86,076,000 | 89,952,000 |
| Total loans | 34,557,000 | 36,280,000 | 36,932,000 | 37,150,000 |
| Allowance for loan losses | 483,000 | 483,000 | 472,000 | 490,000 |
| Securities available for sale | 33,351,000 | 33,545,000 | 32,910,000 | 33,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,022,000 | 77,282,000 | 77,568,000 | 81,720,000 |
| Interest-bearing deposits | 62,067,000 | 64,180,000 | 64,220,000 | 55,710,000 |
| Noninterest-bearing deposits | 13,955,000 | 13,102,000 | 13,348,000 | 26,010,000 |
| Equity capital | 7,186,000 | 6,990,000 | 7,244,000 | 7,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,436,000 | 2,197,000 | 2,925,000 |
| Interest expense | 46,000 | 95,000 | 144,000 | 190,000 |
| Net interest income | 656,000 | 1,341,000 | 2,053,000 | 2,735,000 |
| Noninterest income | 123,000 | 274,000 | 407,000 | 518,000 |
| Noninterest expense | 729,000 | 1,463,000 | 2,242,000 | 3,022,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 50,000 | 151,000 | 227,000 | 263,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 12,000 |
| Net income | 46,000 | 142,000 | 214,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,800,000 | 6,880,000 | 6,952,000 | 6,872,000 |
| Total capital | 7,283,000 | 7,363,000 | 7,424,000 | 7,362,000 |
| Risk-weighted assets | 41,536,000 | 42,537,000 | 42,170,000 | 41,782,000 |