Call reports 2025
COMMERCIAL BANK OF OZARK, THE — 2025
What COMMERCIAL BANK OF OZARK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 112,267,000 | 113,729,000 | 114,023,000 | 117,900,000 |
| Total loans | 51,399,000 | 51,092,000 | 51,625,000 | 52,479,000 |
| Allowance for loan losses | 569,000 | 573,000 | 573,000 | 569,000 |
| Securities available for sale | 40,037,000 | 40,351,000 | 43,195,000 | 45,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,051,000 | 107,551,000 | 107,516,000 | 110,494,000 |
| Interest-bearing deposits | 86,800,000 | 87,566,000 | 87,276,000 | 90,899,000 |
| Noninterest-bearing deposits | 19,251,000 | 19,985,000 | 20,240,000 | 19,595,000 |
| Equity capital | 3,568,000 | 3,429,000 | 4,640,000 | 5,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,083,000 | 2,233,000 | 3,423,000 | 4,616,000 |
| Interest expense | 321,000 | 643,000 | 968,000 | 1,274,000 |
| Net interest income | 762,000 | 1,590,000 | 2,455,000 | 3,342,000 |
| Noninterest income | 419,000 | 539,000 | 662,000 | 911,000 |
| Noninterest expense | 865,000 | 1,726,000 | 2,614,000 | 3,499,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 45,000 |
| Pretax income | 306,000 | 383,000 | 473,000 | 709,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 306,000 | 383,000 | 473,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,518,000 | 10,565,000 | 10,626,000 | 10,831,000 |
| Total capital | 11,097,000 | 11,149,000 | 11,210,000 | 11,410,000 |
| Risk-weighted assets | 54,249,000 | 54,980,000 | 55,726,000 | 57,601,000 |