Call reports 2025
OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION — 2025
What OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 290,404,000 | 292,424,000 | 295,593,000 | 306,272,000 |
| Total loans | 236,490,000 | 238,651,000 | 243,136,000 | 246,671,000 |
| Allowance for loan losses | 2,175,000 | 2,205,000 | 2,277,000 | 2,310,000 |
| Securities available for sale | 13,103,000 | 13,651,000 | 13,242,000 | 13,869,000 |
| Securities held to maturity | 122,000 | 122,000 | 225,000 | 224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,251,000 | 219,981,000 | 220,505,000 | 221,978,000 |
| Interest-bearing deposits | 199,331,000 | 202,858,000 | 204,695,000 | 208,102,000 |
| Noninterest-bearing deposits | 12,920,000 | 17,123,000 | 15,810,000 | 13,876,000 |
| Equity capital | 38,315,000 | 38,758,000 | 39,381,000 | 39,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,675,000 | 7,410,000 | 11,297,000 | 15,228,000 |
| Interest expense | 1,718,000 | 3,399,000 | 5,049,000 | 6,699,000 |
| Net interest income | 1,957,000 | 4,011,000 | 6,248,000 | 8,529,000 |
| Noninterest income | 213,000 | 473,000 | 739,000 | 1,038,000 |
| Noninterest expense | 1,778,000 | 3,600,000 | 5,452,000 | 7,401,000 |
| Provision for loan losses | 90,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 302,000 | 764,000 | 1,355,000 | 1,946,000 |
| Income tax | 50,000 | 152,000 | 286,000 | 419,000 |
| Net income | 252,000 | 612,000 | 1,069,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,754,000 | 40,111,000 | 40,566,000 | 41,017,000 |
| Total capital | 42,090,000 | 42,477,000 | 43,004,000 | 43,489,000 |
| Risk-weighted assets | 214,716,000 | 214,550,000 | 216,682,000 | 220,371,000 |