Call reports 2013
CENTRAL BANK OF LAKE OF THE OZARKS — 2013
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 549,914,000 | 557,929,000 | 553,323,000 | 507,468,000 |
| Total loans | 367,414,000 | 364,003,000 | 351,158,000 | 352,116,000 |
| Allowance for loan losses | 8,909,000 | 9,086,000 | 9,263,000 | 8,756,000 |
| Securities available for sale | 72,270,000 | 71,457,000 | 67,933,000 | 61,638,000 |
| Securities held to maturity | 29,886,000 | 29,619,000 | 29,298,000 | 28,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,013,000 | 494,098,000 | 489,897,000 | 446,890,000 |
| Interest-bearing deposits | 361,556,000 | 355,331,000 | 353,000,000 | 321,910,000 |
| Noninterest-bearing deposits | 126,457,000 | 138,767,000 | 136,897,000 | 124,980,000 |
| Equity capital | 47,202,000 | 48,533,000 | 50,361,000 | 48,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,776,000 | 11,566,000 | 17,223,000 | 22,747,000 |
| Interest expense | 390,000 | 751,000 | 1,089,000 | 1,392,000 |
| Net interest income | 5,386,000 | 10,815,000 | 16,134,000 | 21,355,000 |
| Noninterest income | 2,437,000 | 4,787,000 | 7,212,000 | 9,523,000 |
| Noninterest expense | 4,151,000 | 8,523,000 | 13,019,000 | 18,102,000 |
| Provision for loan losses | 601,000 | 1,129,000 | 1,397,000 | 1,572,000 |
| Pretax income | 3,071,000 | 5,950,000 | 8,924,000 | 11,176,000 |
| Income tax | 1,071,000 | 2,071,000 | 3,110,000 | 3,866,000 |
| Net income | 2,000,000 | 3,879,000 | 5,814,000 | 7,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,426,000 | 48,304,000 | 50,239,000 | 48,736,000 |
| Total capital | 51,191,000 | 53,037,000 | 54,800,000 | 53,379,000 |
| Risk-weighted assets | 376,942,000 | 374,199,000 | 360,047,000 | 367,261,000 |