Call reports 2016
COMMERCIAL BANK OF OZARK, THE — 2016
What COMMERCIAL BANK OF OZARK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 88,189,000 | 88,688,000 | 87,324,000 | 90,425,000 |
| Total loans | 37,732,000 | 38,387,000 | 37,957,000 | 39,073,000 |
| Allowance for loan losses | 443,000 | 405,000 | 420,000 | 423,000 |
| Securities available for sale | 34,734,000 | 34,728,000 | 33,731,000 | 33,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,689,000 | 79,845,000 | 78,574,000 | 82,652,000 |
| Interest-bearing deposits | 53,434,000 | 53,248,000 | 53,144,000 | 57,520,000 |
| Noninterest-bearing deposits | 26,255,000 | 26,597,000 | 25,430,000 | 25,132,000 |
| Equity capital | 7,263,000 | 7,613,000 | 7,537,000 | 6,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,441,000 | 2,166,000 | 2,885,000 |
| Interest expense | 46,000 | 92,000 | 138,000 | 180,000 |
| Net interest income | 664,000 | 1,349,000 | 2,028,000 | 2,705,000 |
| Noninterest income | 116,000 | 270,000 | 373,000 | 530,000 |
| Noninterest expense | 775,000 | 1,503,000 | 2,272,000 | 3,022,000 |
| Provision for loan losses | 0 | 17,000 | 40,000 | 44,000 |
| Pretax income | 52,000 | 156,000 | 183,000 | 263,000 |
| Income tax | 4,000 | 9,000 | 13,000 | -22,000 |
| Net income | 48,000 | 147,000 | 170,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,920,000 | 7,002,000 | 7,011,000 | 7,110,000 |
| Total capital | 7,363,000 | 7,407,000 | 7,431,000 | 7,533,000 |
| Risk-weighted assets | 43,708,000 | 44,550,000 | 43,137,000 | 45,733,000 |