Call reports 2003
FIRST COMMUNITY BANK OF THE OZARKS — 2003
What FIRST COMMUNITY BANK OF THE OZARKS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,393,000 | 70,231,000 | 74,820,000 | 78,530,000 |
| Total loans | 45,889,000 | 45,397,000 | 47,475,000 | 48,150,000 |
| Allowance for loan losses | 418,000 | 445,000 | 451,000 | 541,000 |
| Securities available for sale | 13,461,000 | 13,272,000 | 15,690,000 | 15,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,581,000 | 60,512,000 | 64,534,000 | 65,219,000 |
| Interest-bearing deposits | 51,453,000 | 55,390,000 | 58,228,000 | 59,016,000 |
| Noninterest-bearing deposits | 4,128,000 | 5,122,000 | 6,306,000 | 6,203,000 |
| Equity capital | 4,998,000 | 5,114,000 | 5,076,000 | 7,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,766,000 | 2,662,000 | 3,566,000 |
| Interest expense | 330,000 | 677,000 | 974,000 | 1,255,000 |
| Net interest income | 549,000 | 1,089,000 | 1,688,000 | 2,311,000 |
| Noninterest income | 105,000 | 211,000 | 318,000 | 607,000 |
| Noninterest expense | 576,000 | 1,169,000 | 1,707,000 | 2,277,000 |
| Provision for loan losses | 87,000 | 114,000 | 172,000 | 269,000 |
| Pretax income | -9,000 | 120,000 | 229,000 | 475,000 |
| Income tax | 0 | 0 | 57,000 | 57,000 |
| Net income | -9,000 | 120,000 | 172,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,836,000 | 4,965,000 | 5,070,000 | 7,043,000 |
| Total capital | 5,254,000 | 5,410,000 | 5,521,000 | 7,584,000 |
| Risk-weighted assets | 47,917,000 | 47,480,000 | 49,388,000 | 50,953,000 |