Call reports 2003
BANK OZK — 2003
What BANK OZK 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 | 1,087,186,000 | 1,192,338,000 | 1,251,530,000 | 1,381,010,000 |
| Total loans | 731,586,000 | 825,726,000 | 860,051,000 | 909,147,000 |
| Allowance for loan losses | 11,124,000 | 12,579,000 | 13,100,000 | 13,820,000 |
| Securities available for sale | 231,182,000 | 261,846,000 | 282,980,000 | 357,331,000 |
| Securities held to maturity | 10,260,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 866,963,000 | 949,489,000 | 1,024,937,000 | 1,088,447,000 |
| Interest-bearing deposits | 831,277,000 | 908,569,000 | 966,119,000 | 1,039,892,000 |
| Noninterest-bearing deposits | 35,686,000 | 40,920,000 | 58,818,000 | 48,555,000 |
| Equity capital | 90,014,000 | 103,000,000 | 105,329,000 | 112,976,000 |
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 | 16,164,000 | 33,438,000 | 51,554,000 | 70,566,000 |
| Interest expense | 4,609,000 | 9,247,000 | 13,706,000 | 18,171,000 |
| Net interest income | 11,555,000 | 24,191,000 | 37,848,000 | 52,395,000 |
| Noninterest income | 3,264,000 | 7,311,000 | 11,865,000 | 15,629,000 |
| Noninterest expense | 6,634,000 | 14,173,000 | 22,620,000 | 31,235,000 |
| Provision for loan losses | 750,000 | 1,845,000 | 2,895,000 | 3,865,000 |
| Pretax income | 7,435,000 | 15,581,000 | 24,331,000 | 33,068,000 |
| Income tax | 2,648,000 | 5,583,000 | 8,696,000 | 11,255,000 |
| Net income | 4,787,000 | 9,998,000 | 15,635,000 | 21,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,723,000 | 95,918,000 | 101,552,000 | 107,791,000 |
| Total capital | 98,567,000 | 106,896,000 | 113,080,000 | 120,343,000 |
| Risk-weighted assets | 786,183,000 | 876,669,000 | 920,650,000 | 1,002,861,000 |