Call reports 2023
BANK OZK — 2023
What BANK OZK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 28,971,170,000 | 30,761,870,000 | 32,767,328,000 | 34,237,457,000 |
| Total loans | 22,062,006,000 | 23,607,446,000 | 25,331,740,000 | 26,459,075,000 |
| Allowance for loan losses | 222,025,000 | 263,188,000 | 303,358,000 | 339,394,000 |
| Securities available for sale | 3,422,031,000 | 3,262,366,000 | 3,153,817,000 | 3,244,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,477,000 | 8,991,000 | 0 | 0 |
| Total deposits | 22,282,983,000 | 23,983,397,000 | 25,552,856,000 | 27,405,143,000 |
| Interest-bearing deposits | 17,863,229,000 | 19,448,032,000 | 21,268,931,000 | 23,309,268,000 |
| Noninterest-bearing deposits | 4,419,754,000 | 4,535,365,000 | 4,283,925,000 | 4,095,875,000 |
| Equity capital | 4,761,927,000 | 4,809,891,000 | 4,903,504,000 | 5,139,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 448,719,000 | 957,165,000 | 1,522,678,000 | 2,128,173,000 |
| Interest expense | 103,867,000 | 255,489,000 | 453,741,000 | 688,688,000 |
| Net interest income | 344,852,000 | 701,676,000 | 1,068,937,000 | 1,439,485,000 |
| Noninterest income | 27,809,000 | 59,795,000 | 85,522,000 | 122,538,000 |
| Noninterest expense | 126,217,000 | 255,571,000 | 384,549,000 | 529,561,000 |
| Provision for loan losses | 20,506,000 | 70,391,000 | 119,929,000 | 160,055,000 |
| Pretax income | 210,615,000 | 428,298,000 | 648,272,000 | 867,003,000 |
| Income tax | 40,703,000 | 86,420,000 | 132,564,000 | 176,164,000 |
| Net income | 169,899,000 | 341,865,000 | 515,658,000 | 690,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,234,082,000 | 4,301,259,000 | 4,435,070,000 | 4,569,223,000 |
| Total capital | 5,094,790,000 | 5,195,136,000 | 5,363,691,000 | 5,527,326,000 |
| Risk-weighted assets | 34,868,647,000 | 36,457,229,000 | 38,032,127,000 | 39,198,053,000 |