Call reports 2015
CENTRAL BANK OF LAKE OF THE OZARKS — 2015
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 600,714,000 | 620,758,000 | 614,392,000 | 613,409,000 |
| Total loans | 354,300,000 | 357,004,000 | 358,811,000 | 366,211,000 |
| Allowance for loan losses | 8,659,000 | 8,716,000 | 8,732,000 | 8,390,000 |
| Securities available for sale | 121,087,000 | 160,491,000 | 141,499,000 | 152,975,000 |
| Securities held to maturity | 24,415,000 | 23,912,000 | 23,653,000 | 22,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,399,000 | 558,957,000 | 555,171,000 | 552,868,000 |
| Interest-bearing deposits | 384,859,000 | 391,420,000 | 390,836,000 | 387,010,000 |
| Noninterest-bearing deposits | 155,540,000 | 167,537,000 | 164,335,000 | 165,858,000 |
| Equity capital | 49,585,000 | 49,445,000 | 49,530,000 | 51,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,519,000 | 11,225,000 | 16,939,000 | 22,609,000 |
| Interest expense | 267,000 | 535,000 | 807,000 | 1,080,000 |
| Net interest income | 5,252,000 | 10,690,000 | 16,132,000 | 21,529,000 |
| Noninterest income | 2,058,000 | 4,340,000 | 6,602,000 | 8,970,000 |
| Noninterest expense | 4,349,000 | 8,872,000 | 13,410,000 | 17,798,000 |
| Provision for loan losses | 101,000 | 185,000 | 222,000 | 289,000 |
| Pretax income | 2,899,000 | 6,019,000 | 9,166,000 | 12,446,000 |
| Income tax | 1,007,000 | 2,094,000 | 3,191,000 | 4,338,000 |
| Net income | 1,892,000 | 3,925,000 | 5,975,000 | 8,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,011,000 | 49,144,000 | 48,993,000 | 51,126,000 |
| Total capital | 54,180,000 | 54,615,000 | 54,729,000 | 57,122,000 |
| Risk-weighted assets | 409,932,000 | 434,305,000 | 455,750,000 | 477,120,000 |