Call reports 2006
HERITAGE BANK OF THE OZARKS — 2006
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,356,000 | 31,969,000 | 34,206,000 | 35,738,000 |
| Total loans | 24,996,000 | 27,373,000 | 27,452,000 | 28,741,000 |
| Allowance for loan losses | 271,000 | 290,000 | 301,000 | 313,000 |
| Securities available for sale | 741,000 | 792,000 | 1,299,000 | 2,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,149,000 | 21,599,000 | 25,529,000 | 28,358,000 |
| Interest-bearing deposits | 18,245,000 | 18,931,000 | 22,848,000 | 25,734,000 |
| Noninterest-bearing deposits | 2,904,000 | 2,668,000 | 2,681,000 | 2,624,000 |
| Equity capital | 2,982,000 | 3,558,000 | 3,636,000 | 3,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 1,012,000 | 1,634,000 | 2,289,000 |
| Interest expense | 191,000 | 435,000 | 726,000 | 1,052,000 |
| Net interest income | 271,000 | 577,000 | 908,000 | 1,237,000 |
| Noninterest income | 51,000 | 143,000 | 246,000 | 335,000 |
| Noninterest expense | 309,000 | 653,000 | 1,006,000 | 1,398,000 |
| Provision for loan losses | 38,000 | 59,000 | 68,000 | 80,000 |
| Pretax income | -25,000 | 8,000 | 80,000 | 94,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -25,000 | 8,000 | 80,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,989,000 | 3,565,000 | 3,638,000 | 3,652,000 |
| Total capital | 3,260,000 | 3,855,000 | 3,939,000 | 3,965,000 |
| Risk-weighted assets | 23,666,000 | 26,090,000 | 26,790,000 | 27,363,000 |