Call reports 2012
OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 231,884,000 | 226,131,000 | 222,136,000 | 219,501,000 |
| Total loans | 151,612,000 | 147,062,000 | 144,330,000 | 141,999,000 |
| Allowance for loan losses | 1,733,000 | 1,803,000 | 1,862,000 | 1,937,000 |
| Securities available for sale | 22,213,000 | 33,848,000 | 35,846,000 | 35,250,000 |
| Securities held to maturity | 1,483,000 | 1,481,000 | 1,478,000 | 1,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,492,000 | 194,167,000 | 189,958,000 | 187,837,000 |
| Interest-bearing deposits | 196,737,000 | 190,121,000 | 185,712,000 | 183,673,000 |
| Noninterest-bearing deposits | 3,755,000 | 4,046,000 | 4,246,000 | 4,164,000 |
| Equity capital | 28,051,000 | 28,204,000 | 28,684,000 | 28,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,199,000 | 4,372,000 | 6,371,000 | 8,231,000 |
| Interest expense | 640,000 | 1,218,000 | 1,741,000 | 2,225,000 |
| Net interest income | 1,559,000 | 3,154,000 | 4,630,000 | 6,006,000 |
| Noninterest income | 187,000 | 431,000 | 821,000 | 1,036,000 |
| Noninterest expense | 1,315,000 | 2,508,000 | 3,762,000 | 5,115,000 |
| Provision for loan losses | 88,000 | 175,000 | 262,000 | 375,000 |
| Pretax income | 343,000 | 902,000 | 1,427,000 | 1,552,000 |
| Income tax | 115,000 | 117,000 | 293,000 | 335,000 |
| Net income | 228,000 | 785,000 | 1,134,000 | 1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,116,000 | 29,673,000 | 30,022,000 | 30,091,000 |
| Total capital | 30,780,000 | 31,343,000 | 31,760,000 | 31,753,000 |
| Risk-weighted assets | 126,329,000 | 125,139,000 | 129,158,000 | 121,472,000 |