Call reports 2021
CENTRAL BANK OF LAKE OF THE OZARKS — 2021
What CENTRAL BANK OF LAKE OF THE OZARKS reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Total assets | 1,065,679,000 | 1,117,663,000 | 1,144,350,000 |
| Total loans | 485,894,000 | 485,575,000 | 488,350,000 |
| Allowance for loan losses | 8,882,000 | 8,896,000 | 8,953,000 |
| Securities available for sale | 376,085,000 | 384,361,000 | 376,875,000 |
| Securities held to maturity | 3,000,000 | 2,164,000 | 1,915,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 934,099,000 | 986,825,000 | 1,002,431,000 |
| Interest-bearing deposits | 578,720,000 | 596,930,000 | 611,391,000 |
| Noninterest-bearing deposits | 355,379,000 | 389,895,000 | 391,040,000 |
| Equity capital | 88,212,000 | 85,517,000 | 86,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Interest income | 7,439,000 | 14,142,000 | 21,413,000 |
| Interest expense | 358,000 | 671,000 | 965,000 |
| Net interest income | 7,081,000 | 13,471,000 | 20,448,000 |
| Noninterest income | 4,191,000 | 8,370,000 | 12,628,000 |
| Noninterest expense | 6,037,000 | 12,643,000 | 18,715,000 |
| Provision for loan losses | 119,000 | 194,000 | 265,000 |
| Pretax income | 5,116,000 | 9,043,000 | 14,140,000 |
| Income tax | 1,188,000 | 2,087,000 | 3,251,000 |
| Net income | 3,928,000 | 6,956,000 | 10,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 |
|---|---|---|---|
| Tier 1 capital | 84,929,000 | 81,966,000 | 83,708,000 |
| Total capital | 91,497,000 | 88,419,000 | 90,290,000 |
| Risk-weighted assets | 523,039,000 | 513,667,000 | 524,075,000 |