Call reports 2016
CENTRAL BANK OF LAKE OF THE OZARKS — 2016
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 627,250,000 | 639,272,000 | 661,478,000 | 644,692,000 |
| Total loans | 371,398,000 | 365,156,000 | 360,874,000 | 367,613,000 |
| Allowance for loan losses | 8,390,000 | 8,332,000 | 8,285,000 | 8,155,000 |
| Securities available for sale | 171,262,000 | 192,643,000 | 213,185,000 | 223,376,000 |
| Securities held to maturity | 20,686,000 | 17,784,000 | 15,504,000 | 14,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,068,000 | 571,864,000 | 592,632,000 | 577,687,000 |
| Interest-bearing deposits | 394,430,000 | 392,430,000 | 396,242,000 | 395,673,000 |
| Noninterest-bearing deposits | 166,638,000 | 179,434,000 | 196,390,000 | 182,014,000 |
| Equity capital | 53,544,000 | 55,742,000 | 57,480,000 | 58,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,730,000 | 11,465,000 | 17,265,000 | 22,993,000 |
| Interest expense | 271,000 | 538,000 | 812,000 | 1,076,000 |
| Net interest income | 5,459,000 | 10,927,000 | 16,453,000 | 21,917,000 |
| Noninterest income | 2,210,000 | 4,511,000 | 6,704,000 | 9,231,000 |
| Noninterest expense | 4,588,000 | 9,280,000 | 13,886,000 | 18,355,000 |
| Provision for loan losses | 183,000 | 348,000 | 437,000 | 511,000 |
| Pretax income | 2,890,000 | 5,805,000 | 8,834,000 | 12,282,000 |
| Income tax | 1,001,000 | 2,009,000 | 3,080,000 | 4,166,000 |
| Net income | 1,889,000 | 3,796,000 | 5,754,000 | 8,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,016,000 | 54,922,000 | 56,880,000 | 59,242,000 |
| Total capital | 58,524,000 | 60,616,000 | 62,380,000 | 64,950,000 |
| Risk-weighted assets | 437,575,000 | 452,697,000 | 437,028,000 | 454,031,000 |