Call reports 2004
HERITAGE BANK OF THE OZARKS — 2004
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 7,758,000 | 10,220,000 | 13,855,000 | 15,263,000 |
| Total loans | 3,587,000 | 7,808,000 | 9,425,000 | 12,042,000 |
| Allowance for loan losses | 36,000 | 76,000 | 94,000 | 121,000 |
| Securities available for sale | 0 | 0 | 258,000 | 999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,391,000 | 5,988,000 | 9,729,000 | 11,731,000 |
| Interest-bearing deposits | 2,952,000 | 4,329,000 | 7,979,000 | 9,210,000 |
| Noninterest-bearing deposits | 1,439,000 | 1,659,000 | 1,750,000 | 2,522,000 |
| Equity capital | 3,358,000 | 3,216,000 | 3,104,000 | 3,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 61,000 | 157,000 | 306,000 | 492,000 |
| Interest expense | 9,000 | 20,000 | 54,000 | 101,000 |
| Net interest income | 52,000 | 137,000 | 252,000 | 391,000 |
| Noninterest income | 28,000 | 56,000 | 76,000 | 94,000 |
| Noninterest expense | 200,000 | 415,000 | 644,000 | 862,000 |
| Provision for loan losses | 16,000 | 56,000 | 74,000 | 105,000 |
| Pretax income | -136,000 | -278,000 | -390,000 | -482,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -136,000 | -278,000 | -390,000 | -482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,358,000 | 3,216,000 | 3,104,000 | 3,012,000 |
| Total capital | 3,394,000 | 3,292,000 | 3,198,000 | 3,133,000 |
| Risk-weighted assets | 3,828,000 | 7,101,000 | 9,426,000 | 10,436,000 |