Call reports 2008
BANK OZK — 2008
What BANK OZK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 3,041,220,000 | 3,051,653,000 | 3,057,523,000 | 3,228,954,000 |
| Total loans | 1,979,152,000 | 2,009,186,000 | 2,050,647,000 | 2,016,311,000 |
| Allowance for loan losses | 21,063,000 | 23,432,000 | 25,427,000 | 29,512,000 |
| Securities available for sale | 792,250,000 | 746,683,000 | 698,508,000 | 920,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,209,214,000 | 2,317,547,000 | 2,310,179,000 | 2,351,661,000 |
| Interest-bearing deposits | 2,015,006,000 | 2,112,675,000 | 2,107,422,000 | 2,155,732,000 |
| Noninterest-bearing deposits | 194,208,000 | 204,872,000 | 202,757,000 | 195,929,000 |
| Equity capital | 259,076,000 | 255,708,000 | 259,475,000 | 367,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 45,120,000 | 91,083,000 | 136,286,000 | 183,921,000 |
| Interest expense | 21,925,000 | 43,162,000 | 62,734,000 | 80,541,000 |
| Net interest income | 23,195,000 | 47,921,000 | 73,552,000 | 103,380,000 |
| Noninterest income | 4,700,000 | 9,889,000 | 14,829,000 | 21,676,000 |
| Noninterest expense | 12,310,000 | 25,233,000 | 38,578,000 | 52,232,000 |
| Provision for loan losses | 3,325,000 | 7,325,000 | 10,725,000 | 19,025,000 |
| Pretax income | 12,280,000 | 25,272,000 | 38,781,000 | 50,366,000 |
| Income tax | 3,581,000 | 7,237,000 | 11,029,000 | 12,359,000 |
| Net income | 8,699,000 | 18,035,000 | 27,752,000 | 38,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 253,286,000 | 259,087,000 | 265,260,000 | 346,941,000 |
| Total capital | 274,349,000 | 282,519,000 | 290,687,000 | 376,453,000 |
| Risk-weighted assets | 2,441,248,000 | 2,457,216,000 | 2,488,719,000 | 2,573,003,000 |