Call reports 2020
CENTRAL BANK OF LAKE OF THE OZARKS — 2020
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 774,008,000 | 951,057,000 | 988,810,000 | 1,028,058,000 |
| Total loans | 476,528,000 | 499,895,000 | 498,221,000 | 484,840,000 |
| Allowance for loan losses | 8,363,000 | 8,515,000 | 8,791,000 | 8,830,000 |
| Securities available for sale | 259,016,000 | 247,086,000 | 323,796,000 | 383,593,000 |
| Securities held to maturity | 7,004,000 | 6,526,000 | 6,000,000 | 4,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 664,304,000 | 829,371,000 | 863,937,000 | 900,664,000 |
| Interest-bearing deposits | 452,887,000 | 527,345,000 | 551,300,000 | 595,277,000 |
| Noninterest-bearing deposits | 211,417,000 | 302,026,000 | 312,637,000 | 305,387,000 |
| Equity capital | 72,693,000 | 77,304,000 | 81,110,000 | 85,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,947,000 | 15,617,000 | 23,037,000 | 30,035,000 |
| Interest expense | 889,000 | 1,479,000 | 2,006,000 | 2,462,000 |
| Net interest income | 7,058,000 | 14,138,000 | 21,031,000 | 27,573,000 |
| Noninterest income | 2,896,000 | 6,242,000 | 11,050,000 | 16,440,000 |
| Noninterest expense | 5,438,000 | 11,175,000 | 17,258,000 | 23,104,000 |
| Provision for loan losses | 151,000 | 352,000 | 652,000 | 952,000 |
| Pretax income | 4,365,000 | 8,853,000 | 14,171,000 | 19,957,000 |
| Income tax | 991,000 | 2,023,000 | 3,250,000 | 4,593,000 |
| Net income | 3,374,000 | 6,830,000 | 10,921,000 | 15,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,927,000 | 72,394,000 | 76,499,000 | 80,952,000 |
| Total capital | 75,415,000 | 78,905,000 | 82,913,000 | 87,314,000 |
| Risk-weighted assets | 517,058,000 | 518,786,000 | 510,657,000 | 506,372,000 |