Call reports 2004
BANK OZK — 2004
What BANK OZK 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 | 1,421,106,000 | 1,511,353,000 | 1,624,612,000 | 1,721,276,000 |
| Total loans | 951,037,000 | 1,021,199,000 | 1,073,754,000 | 1,134,591,000 |
| Allowance for loan losses | 14,460,000 | 15,113,000 | 15,888,000 | 16,133,000 |
| Securities available for sale | 354,594,000 | 361,030,000 | 421,442,000 | 422,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,172,238,000 | 1,196,845,000 | 1,286,738,000 | 1,404,889,000 |
| Interest-bearing deposits | 1,115,774,000 | 1,142,667,000 | 1,231,258,000 | 1,335,463,000 |
| Noninterest-bearing deposits | 56,464,000 | 54,178,000 | 55,480,000 | 69,426,000 |
| Equity capital | 120,954,000 | 116,912,000 | 130,866,000 | 135,623,000 |
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 | 19,462,000 | 40,082,000 | 62,626,000 | 86,258,000 |
| Interest expense | 4,607,000 | 9,599,000 | 15,566,000 | 22,376,000 |
| Net interest income | 14,855,000 | 30,483,000 | 47,060,000 | 63,882,000 |
| Noninterest income | 3,784,000 | 8,009,000 | 12,281,000 | 16,447,000 |
| Noninterest expense | 8,094,000 | 16,399,000 | 25,772,000 | 35,235,000 |
| Provision for loan losses | 745,000 | 1,790,000 | 2,830,000 | 3,330,000 |
| Pretax income | 9,800,000 | 21,055,000 | 31,513,000 | 42,538,000 |
| Income tax | 3,316,000 | 7,249,000 | 10,769,000 | 14,423,000 |
| Net income | 6,484,000 | 13,806,000 | 20,744,000 | 28,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,339,000 | 121,416,000 | 126,420,000 | 131,856,000 |
| Total capital | 127,377,000 | 135,525,000 | 141,243,000 | 147,768,000 |
| Risk-weighted assets | 1,041,641,000 | 1,127,728,000 | 1,184,785,000 | 1,272,700,000 |