Call reports 2007
FIRST COMMUNITY BANK OF THE OZARKS — 2007
What FIRST COMMUNITY BANK OF THE OZARKS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,921,000 | 80,995,000 | 84,380,000 | 86,452,000 |
| Total loans | 55,809,000 | 61,596,000 | 63,840,000 | 61,809,000 |
| Allowance for loan losses | 739,000 | 736,000 | 759,000 | 773,000 |
| Securities available for sale | 13,801,000 | 11,513,000 | 14,056,000 | 13,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,190,000 | 61,787,000 | 61,700,000 | 62,403,000 |
| Interest-bearing deposits | 52,692,000 | 54,998,000 | 56,394,000 | 57,238,000 |
| Noninterest-bearing deposits | 6,498,000 | 6,789,000 | 5,306,000 | 5,165,000 |
| Equity capital | 8,496,000 | 8,585,000 | 8,735,000 | 8,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,861,000 | 4,411,000 | 5,954,000 |
| Interest expense | 562,000 | 1,176,000 | 1,839,000 | 2,511,000 |
| Net interest income | 843,000 | 1,685,000 | 2,572,000 | 3,443,000 |
| Noninterest income | 130,000 | 263,000 | 424,000 | 578,000 |
| Noninterest expense | 814,000 | 1,642,000 | 2,518,000 | 3,514,000 |
| Provision for loan losses | -329,000 | -329,000 | -313,000 | -299,000 |
| Pretax income | 488,000 | 635,000 | 791,000 | 806,000 |
| Income tax | 186,000 | 239,000 | 295,000 | 295,000 |
| Net income | 302,000 | 396,000 | 496,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,594,000 | 8,689,000 | 8,787,000 | 8,802,000 |
| Total capital | 9,333,000 | 9,425,000 | 9,546,000 | 9,575,000 |
| Risk-weighted assets | 60,828,000 | 65,417,000 | 67,773,000 | 67,320,000 |