Call reports 2010
CENTRAL BANK OF LAKE OF THE OZARKS — 2010
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 493,837,000 | 499,290,000 | 504,846,000 | 492,889,000 |
| Total loans | 407,035,000 | 408,047,000 | 402,403,000 | 397,888,000 |
| Allowance for loan losses | 7,776,000 | 8,238,000 | 7,693,000 | 8,721,000 |
| Securities available for sale | 42,405,000 | 46,009,000 | 53,309,000 | 49,316,000 |
| Securities held to maturity | 7,424,000 | 7,160,000 | 8,581,000 | 12,912,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,197,000 | 445,538,000 | 452,637,000 | 441,835,000 |
| Interest-bearing deposits | 353,797,000 | 355,766,000 | 357,977,000 | 352,912,000 |
| Noninterest-bearing deposits | 83,400,000 | 89,772,000 | 94,660,000 | 88,923,000 |
| Equity capital | 39,229,000 | 41,161,000 | 40,547,000 | 40,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,746,000 | 13,648,000 | 20,667,000 | 27,460,000 |
| Interest expense | 869,000 | 1,753,000 | 2,626,000 | 3,414,000 |
| Net interest income | 5,877,000 | 11,895,000 | 18,041,000 | 24,046,000 |
| Noninterest income | 1,957,000 | 3,785,000 | 5,953,000 | 9,469,000 |
| Noninterest expense | 4,223,000 | 8,626,000 | 13,202,000 | 17,199,000 |
| Provision for loan losses | 455,000 | 1,059,000 | 1,771,000 | 3,444,000 |
| Pretax income | 3,156,000 | 5,996,000 | 9,022,000 | 12,873,000 |
| Income tax | 1,177,000 | 2,232,000 | 3,359,000 | 4,787,000 |
| Net income | 1,979,000 | 3,764,000 | 5,663,000 | 8,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,491,000 | 40,146,000 | 39,510,000 | 39,422,000 |
| Total capital | 43,565,000 | 45,176,000 | 44,476,000 | 44,381,000 |
| Risk-weighted assets | 403,124,000 | 399,140,000 | 394,488,000 | 392,917,000 |
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