Call reports 2007
CENTRAL BANK OF LAKE OF THE OZARKS — 2007
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 473,379,000 | 482,744,000 | 473,190,000 | 475,236,000 |
| Total loans | 364,644,000 | 369,399,000 | 362,595,000 | 363,887,000 |
| Allowance for loan losses | 7,123,000 | 7,331,000 | 7,324,000 | 7,326,000 |
| Securities available for sale | 61,886,000 | 68,157,000 | 69,473,000 | 63,664,000 |
| Securities held to maturity | 10,847,000 | 11,029,000 | 10,809,000 | 9,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,181,000 | 423,890,000 | 417,148,000 | 419,060,000 |
| Interest-bearing deposits | 324,087,000 | 328,086,000 | 326,960,000 | 336,048,000 |
| Noninterest-bearing deposits | 91,094,000 | 95,804,000 | 90,188,000 | 83,012,000 |
| Equity capital | 33,755,000 | 34,960,000 | 34,786,000 | 36,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,981,000 | 18,287,000 | 27,633,000 | 36,610,000 |
| Interest expense | 2,979,000 | 6,099,000 | 9,216,000 | 12,149,000 |
| Net interest income | 6,002,000 | 12,188,000 | 18,417,000 | 24,461,000 |
| Noninterest income | 1,765,000 | 3,677,000 | 5,630,000 | 7,538,000 |
| Noninterest expense | 3,976,000 | 7,998,000 | 12,074,000 | 16,180,000 |
| Provision for loan losses | 189,000 | 390,000 | 529,000 | 467,000 |
| Pretax income | 3,602,000 | 7,477,000 | 11,444,000 | 15,352,000 |
| Income tax | 1,344,000 | 2,783,000 | 4,255,000 | 5,652,000 |
| Net income | 2,258,000 | 4,694,000 | 7,189,000 | 9,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,983,000 | 35,419,000 | 34,914,000 | 36,425,000 |
| Total capital | 38,612,000 | 40,144,000 | 39,553,000 | 41,092,000 |
| Risk-weighted assets | 367,774,000 | 375,355,000 | 368,375,000 | 370,644,000 |
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