Call reports 2014
CENTRAL BANK OF LAKE OF THE OZARKS — 2014
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 556,685,000 | 575,213,000 | 585,992,000 | 543,220,000 |
| Total loans | 352,716,000 | 347,252,000 | 342,437,000 | 346,759,000 |
| Allowance for loan losses | 8,900,000 | 9,183,000 | 9,145,000 | 8,669,000 |
| Securities available for sale | 90,292,000 | 91,993,000 | 89,149,000 | 85,524,000 |
| Securities held to maturity | 27,313,000 | 27,416,000 | 27,340,000 | 26,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,872,000 | 513,524,000 | 525,421,000 | 483,412,000 |
| Interest-bearing deposits | 356,419,000 | 365,767,000 | 369,591,000 | 337,501,000 |
| Noninterest-bearing deposits | 139,453,000 | 147,757,000 | 155,830,000 | 145,911,000 |
| Equity capital | 49,078,000 | 49,380,000 | 49,395,000 | 49,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,437,000 | 11,003,000 | 16,541,000 | 21,999,000 |
| Interest expense | 290,000 | 573,000 | 851,000 | 1,125,000 |
| Net interest income | 5,147,000 | 10,430,000 | 15,690,000 | 20,874,000 |
| Noninterest income | 2,110,000 | 4,285,000 | 6,409,000 | 8,609,000 |
| Noninterest expense | 4,166,000 | 8,511,000 | 12,833,000 | 17,116,000 |
| Provision for loan losses | 380,000 | 740,000 | 923,000 | 656,000 |
| Pretax income | 2,704,000 | 5,478,000 | 8,357,000 | 11,719,000 |
| Income tax | 930,000 | 1,868,000 | 2,861,000 | 4,036,000 |
| Net income | 1,774,000 | 3,610,000 | 5,496,000 | 7,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,910,000 | 48,946,000 | 49,031,000 | 48,919,000 |
| Total capital | 53,615,000 | 53,669,000 | 53,639,000 | 53,617,000 |
| Risk-weighted assets | 372,098,000 | 373,280,000 | 363,991,000 | 371,802,000 |