Call reports 2008
CENTRAL BANK OF LAKE OF THE OZARKS — 2008
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 468,562,000 | 476,978,000 | 501,088,000 | 510,668,000 |
| Total loans | 369,352,000 | 386,962,000 | 402,449,000 | 413,072,000 |
| Allowance for loan losses | 7,535,000 | 7,575,000 | 7,086,000 | 7,327,000 |
| Securities available for sale | 68,291,000 | 57,367,000 | 55,813,000 | 51,721,000 |
| Securities held to maturity | 9,243,000 | 9,508,000 | 9,498,000 | 9,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,759,000 | 420,938,000 | 430,722,000 | 449,800,000 |
| Interest-bearing deposits | 328,674,000 | 324,301,000 | 336,045,000 | 368,958,000 |
| Noninterest-bearing deposits | 83,085,000 | 96,637,000 | 94,677,000 | 80,842,000 |
| Equity capital | 37,215,000 | 36,936,000 | 37,007,000 | 37,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,172,000 | 15,584,000 | 23,059,000 | 30,339,000 |
| Interest expense | 2,347,000 | 4,012,000 | 5,547,000 | 7,274,000 |
| Net interest income | 5,825,000 | 11,572,000 | 17,512,000 | 23,065,000 |
| Noninterest income | 2,423,000 | 4,820,000 | 7,358,000 | 9,177,000 |
| Noninterest expense | 4,404,000 | 8,824,000 | 13,619,000 | 17,932,000 |
| Provision for loan losses | 161,000 | 293,000 | 474,000 | 990,000 |
| Pretax income | 3,683,000 | 7,275,000 | 10,777,000 | 13,320,000 |
| Income tax | 1,372,000 | 2,714,000 | 4,023,000 | 4,805,000 |
| Net income | 2,311,000 | 4,561,000 | 6,754,000 | 8,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,986,000 | 36,987,000 | 36,929,000 | 37,690,000 |
| Total capital | 41,665,000 | 41,853,000 | 41,948,000 | 42,793,000 |
| Risk-weighted assets | 371,442,000 | 386,564,000 | 399,430,000 | 405,969,000 |
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