Call reports 2005
BANK OZK — 2005
What BANK OZK 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 | 1,791,747,000 | 1,897,293,000 | 2,012,358,000 | 2,127,670,000 |
| Total loans | 1,175,683,000 | 1,221,840,000 | 1,330,724,000 | 1,370,723,000 |
| Allowance for loan losses | 16,437,000 | 16,745,000 | 16,915,000 | 17,007,000 |
| Securities available for sale | 448,174,000 | 492,694,000 | 497,868,000 | 556,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,419,498,000 | 1,495,763,000 | 1,517,879,000 | 1,617,780,000 |
| Interest-bearing deposits | 1,356,831,000 | 1,431,484,000 | 1,444,927,000 | 1,551,730,000 |
| Noninterest-bearing deposits | 62,667,000 | 64,279,000 | 72,952,000 | 66,050,000 |
| Equity capital | 138,483,000 | 151,135,000 | 155,387,000 | 162,663,000 |
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 | 24,999,000 | 52,010,000 | 81,378,000 | 113,447,000 |
| Interest expense | 7,720,000 | 17,113,000 | 28,175,000 | 41,612,000 |
| Net interest income | 17,279,000 | 34,897,000 | 53,203,000 | 71,835,000 |
| Noninterest income | 4,139,000 | 8,892,000 | 13,696,000 | 18,398,000 |
| Noninterest expense | 9,111,000 | 18,670,000 | 28,569,000 | 38,394,000 |
| Provision for loan losses | 500,000 | 1,000,000 | 1,800,000 | 2,300,000 |
| Pretax income | 11,807,000 | 24,119,000 | 36,741,000 | 49,752,000 |
| Income tax | 3,930,000 | 7,901,000 | 11,834,000 | 15,800,000 |
| Net income | 7,877,000 | 16,218,000 | 24,907,000 | 33,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,800,000 | 144,107,000 | 151,860,000 | 159,972,000 |
| Total capital | 154,237,000 | 160,852,000 | 168,775,000 | 176,979,000 |
| Risk-weighted assets | 1,327,504,000 | 1,394,610,000 | 1,508,688,000 | 1,572,623,000 |