Call reports 2007
BANK OZK — 2007
What BANK OZK 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 | 2,536,277,000 | 2,567,011,000 | 2,641,494,000 | 2,701,033,000 |
| Total loans | 1,723,882,000 | 1,754,471,000 | 1,813,357,000 | 1,868,696,000 |
| Allowance for loan losses | 18,128,000 | 18,747,000 | 19,067,000 | 19,557,000 |
| Securities available for sale | 584,296,000 | 569,553,000 | 577,252,000 | 561,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,204,043,000 | 2,172,548,000 | 2,044,438,000 | 2,077,664,000 |
| Interest-bearing deposits | 1,997,981,000 | 1,952,597,000 | 1,857,474,000 | 1,894,066,000 |
| Noninterest-bearing deposits | 206,062,000 | 219,951,000 | 186,964,000 | 183,598,000 |
| Equity capital | 203,964,000 | 215,031,000 | 224,453,000 | 225,816,000 |
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 | 43,195,000 | 87,766,000 | 132,966,000 | 178,290,000 |
| Interest expense | 23,329,000 | 46,906,000 | 70,870,000 | 94,286,000 |
| Net interest income | 19,866,000 | 40,860,000 | 62,096,000 | 84,004,000 |
| Noninterest income | 5,163,000 | 10,216,000 | 15,180,000 | 20,717,000 |
| Noninterest expense | 11,541,000 | 22,869,000 | 34,087,000 | 46,189,000 |
| Provision for loan losses | 1,100,000 | 2,350,000 | 3,450,000 | 6,150,000 |
| Pretax income | 12,725,000 | 26,194,000 | 40,153,000 | 52,902,000 |
| Income tax | 4,155,000 | 8,578,000 | 13,155,000 | 17,258,000 |
| Net income | 8,570,000 | 17,616,000 | 26,998,000 | 35,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 202,550,000 | 224,762,000 | 230,910,000 | 236,122,000 |
| Total capital | 220,678,000 | 243,509,000 | 249,977,000 | 255,679,000 |
| Risk-weighted assets | 2,024,831,000 | 2,058,238,000 | 2,136,755,000 | 2,221,036,000 |