Call reports 2004
FIRST COMMUNITY BANK OF THE OZARKS — 2004
What FIRST COMMUNITY BANK OF THE OZARKS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 75,449,000 | 76,110,000 | 77,094,000 | 80,792,000 |
| Total loans | 53,280,000 | 51,671,000 | 55,853,000 | 60,404,000 |
| Allowance for loan losses | 575,000 | 608,000 | 636,000 | 647,000 |
| Securities available for sale | 15,142,000 | 14,544,000 | 14,639,000 | 14,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,897,000 | 61,565,000 | 64,151,000 | 62,140,000 |
| Interest-bearing deposits | 55,650,000 | 55,430,000 | 57,223,000 | 55,587,000 |
| Noninterest-bearing deposits | 5,247,000 | 6,135,000 | 6,928,000 | 6,553,000 |
| Equity capital | 7,278,000 | 7,156,000 | 7,571,000 | 7,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 969,000 | 1,910,000 | 2,951,000 | 4,066,000 |
| Interest expense | 263,000 | 449,000 | 635,000 | 837,000 |
| Net interest income | 706,000 | 1,461,000 | 2,316,000 | 3,229,000 |
| Noninterest income | 96,000 | 209,000 | 318,000 | 425,000 |
| Noninterest expense | 620,000 | 1,216,000 | 1,830,000 | 2,511,000 |
| Provision for loan losses | 43,000 | 76,000 | 110,000 | 123,000 |
| Pretax income | 139,000 | 378,000 | 694,000 | 1,018,000 |
| Income tax | 18,000 | 58,000 | 141,000 | 318,000 |
| Net income | 121,000 | 320,000 | 553,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,164,000 | 7,364,000 | 7,596,000 | 7,743,000 |
| Total capital | 7,739,000 | 7,972,000 | 8,232,000 | 8,390,000 |
| Risk-weighted assets | 55,982,000 | 54,396,000 | 56,862,000 | 61,720,000 |