Call reports 2009
CENTRAL BANK OF LAKE OF THE OZARKS — 2009
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 514,277,000 | 509,984,000 | 499,818,000 | 496,637,000 |
| Total loans | 412,281,000 | 412,493,000 | 409,292,000 | 405,734,000 |
| Allowance for loan losses | 7,530,000 | 7,674,000 | 7,327,000 | 7,754,000 |
| Securities available for sale | 54,540,000 | 63,017,000 | 53,560,000 | 50,785,000 |
| Securities held to maturity | 8,703,000 | 8,382,000 | 8,171,000 | 8,130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,345,000 | 455,140,000 | 443,343,000 | 439,800,000 |
| Interest-bearing deposits | 376,558,000 | 367,954,000 | 354,793,000 | 354,718,000 |
| Noninterest-bearing deposits | 83,787,000 | 87,186,000 | 88,550,000 | 85,082,000 |
| Equity capital | 38,853,000 | 38,733,000 | 38,892,000 | 39,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,223,000 | 14,532,000 | 21,600,000 | 28,613,000 |
| Interest expense | 1,549,000 | 2,926,000 | 4,148,000 | 5,184,000 |
| Net interest income | 5,674,000 | 11,606,000 | 17,452,000 | 23,429,000 |
| Noninterest income | 3,525,000 | 6,229,000 | 8,784,000 | 11,561,000 |
| Noninterest expense | 4,371,000 | 9,156,000 | 14,371,000 | 18,594,000 |
| Provision for loan losses | 375,000 | 757,000 | 1,301,000 | 2,043,000 |
| Pretax income | 4,453,000 | 7,922,000 | 10,564,000 | 14,353,000 |
| Income tax | 1,676,000 | 2,976,000 | 3,719,000 | 5,131,000 |
| Net income | 2,777,000 | 4,946,000 | 6,845,000 | 9,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,206,000 | 38,136,000 | 38,035,000 | 38,413,000 |
| Total capital | 43,302,000 | 43,231,000 | 43,077,000 | 43,447,000 |
| Risk-weighted assets | 405,179,000 | 404,923,000 | 400,976,000 | 399,905,000 |
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