Call reports 2012
BANK OZK — 2012
What BANK OZK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 3,825,279,000 | 3,752,599,000 | 3,812,154,000 | 3,893,429,000 |
| Total loans | 2,640,049,000 | 2,684,561,000 | 2,677,046,000 | 2,713,990,000 |
| Allowance for loan losses | 38,632,000 | 38,862,000 | 38,672,000 | 38,738,000 |
| Securities available for sale | 416,357,000 | 400,302,000 | 416,258,000 | 392,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,935,823,000 | 2,819,675,000 | 2,905,271,000 | 2,968,751,000 |
| Interest-bearing deposits | 2,435,871,000 | 2,303,046,000 | 2,363,458,000 | 2,389,947,000 |
| Noninterest-bearing deposits | 499,952,000 | 516,629,000 | 541,813,000 | 578,804,000 |
| Equity capital | 483,221,000 | 500,317,000 | 516,997,000 | 557,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 49,803,000 | 97,658,000 | 147,052,000 | 195,752,000 |
| Interest expense | 5,636,000 | 10,651,000 | 15,197,000 | 19,752,000 |
| Net interest income | 44,167,000 | 87,007,000 | 131,855,000 | 176,000,000 |
| Noninterest income | 13,766,000 | 29,021,000 | 43,668,000 | 62,690,000 |
| Noninterest expense | 27,553,000 | 53,794,000 | 81,461,000 | 110,040,000 |
| Provision for loan losses | 3,076,000 | 6,131,000 | 9,211,000 | 11,745,000 |
| Pretax income | 27,305,000 | 56,505,000 | 85,253,000 | 117,362,000 |
| Income tax | 8,552,000 | 17,799,000 | 26,359,000 | 36,754,000 |
| Net income | 18,752,000 | 38,710,000 | 58,883,000 | 80,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 462,050,000 | 478,769,000 | 494,450,000 | 537,740,000 |
| Total capital | 494,579,000 | 513,279,000 | 530,636,000 | 575,233,000 |
| Risk-weighted assets | 2,596,218,000 | 2,756,454,000 | 2,892,441,000 | 2,998,274,000 |