Call reports 2005
HERITAGE BANK OF THE OZARKS — 2005
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,915,000 | 21,738,000 | 25,126,000 | 26,653,000 |
| Total loans | 14,761,000 | 17,555,000 | 20,232,000 | 22,758,000 |
| Allowance for loan losses | 147,000 | 175,000 | 203,000 | 233,000 |
| Securities available for sale | 990,000 | 992,000 | 990,000 | 989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,122,000 | 14,770,000 | 18,504,000 | 18,729,000 |
| Interest-bearing deposits | 9,994,000 | 13,068,000 | 16,074,000 | 16,661,000 |
| Noninterest-bearing deposits | 2,128,000 | 1,701,000 | 2,430,000 | 2,068,000 |
| Equity capital | 2,911,000 | 3,087,000 | 3,022,000 | 3,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 226,000 | 514,000 | 866,000 | 1,274,000 |
| Interest expense | 60,000 | 161,000 | 297,000 | 457,000 |
| Net interest income | 166,000 | 353,000 | 569,000 | 817,000 |
| Noninterest income | 19,000 | 40,000 | 72,000 | 121,000 |
| Noninterest expense | 251,000 | 507,000 | 792,000 | 1,067,000 |
| Provision for loan losses | 25,000 | 53,000 | 80,000 | 110,000 |
| Pretax income | -91,000 | -167,000 | -231,000 | -239,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -91,000 | -167,000 | -231,000 | -239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,921,000 | 3,095,000 | 3,030,000 | 3,023,000 |
| Total capital | 3,068,000 | 3,270,000 | 3,233,000 | 3,256,000 |
| Risk-weighted assets | 14,185,000 | 17,092,000 | 19,412,000 | 21,573,000 |