Call reports 2005
FIRST COMMUNITY BANK OF THE OZARKS — 2005
What FIRST COMMUNITY BANK OF THE OZARKS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,114,000 | 75,900,000 | 83,804,000 | 82,032,000 |
| Total loans | 60,302,000 | 61,015,000 | 61,902,000 | 59,490,000 |
| Allowance for loan losses | 681,000 | 713,000 | 747,000 | 757,000 |
| Securities available for sale | 12,354,000 | 8,971,000 | 10,825,000 | 11,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,999,000 | 61,329,000 | 65,622,000 | 65,202,000 |
| Interest-bearing deposits | 53,056,000 | 54,469,000 | 57,863,000 | 59,045,000 |
| Noninterest-bearing deposits | 5,943,000 | 6,860,000 | 7,759,000 | 6,157,000 |
| Equity capital | 7,610,000 | 7,765,000 | 7,931,000 | 7,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,247,000 | 3,469,000 | 4,826,000 |
| Interest expense | 217,000 | 614,000 | 1,004,000 | 1,439,000 |
| Net interest income | 877,000 | 1,633,000 | 2,465,000 | 3,387,000 |
| Noninterest income | 96,000 | 242,000 | 391,000 | 517,000 |
| Noninterest expense | 733,000 | 1,473,000 | 2,219,000 | 3,019,000 |
| Provision for loan losses | 35,000 | 68,000 | 100,000 | 123,000 |
| Pretax income | 205,000 | 334,000 | 537,000 | 762,000 |
| Income tax | 66,000 | 109,000 | 184,000 | 302,000 |
| Net income | 139,000 | 225,000 | 353,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,827,000 | 7,914,000 | 8,042,000 | 8,148,000 |
| Total capital | 8,508,000 | 8,627,000 | 8,789,000 | 8,905,000 |
| Risk-weighted assets | 63,863,000 | 63,543,000 | 65,599,000 | 63,748,000 |
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