Call reports 2007
HERITAGE BANK OF THE OZARKS — 2007
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,619,000 | 34,281,000 | 35,547,000 | 36,662,000 |
| Total loans | 28,351,000 | 28,360,000 | 28,841,000 | 30,316,000 |
| Allowance for loan losses | 336,000 | 394,000 | 409,000 | 393,000 |
| Securities available for sale | 2,713,000 | 2,675,000 | 2,971,000 | 3,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,193,000 | 29,319,000 | 30,503,000 | 30,531,000 |
| Interest-bearing deposits | 28,201,000 | 26,380,000 | 27,726,000 | 26,684,000 |
| Noninterest-bearing deposits | 2,992,000 | 2,939,000 | 2,777,000 | 3,847,000 |
| Equity capital | 3,702,000 | 3,671,000 | 3,736,000 | 3,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 678,000 | 1,359,000 | 2,034,000 | 2,722,000 |
| Interest expense | 339,000 | 671,000 | 985,000 | 1,295,000 |
| Net interest income | 339,000 | 688,000 | 1,049,000 | 1,427,000 |
| Noninterest income | 112,000 | 232,000 | 316,000 | 411,000 |
| Noninterest expense | 392,000 | 797,000 | 1,208,000 | 1,634,000 |
| Provision for loan losses | 23,000 | 82,000 | 97,000 | 97,000 |
| Pretax income | 36,000 | 41,000 | 60,000 | 107,000 |
| Income tax | 2,000 | 0 | 0 | 0 |
| Net income | 34,000 | 41,000 | 60,000 | 107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,686,000 | 3,693,000 | 3,711,000 | 3,759,000 |
| Total capital | 4,022,000 | 4,055,000 | 4,079,000 | 4,125,000 |
| Risk-weighted assets | 28,223,000 | 28,151,000 | 29,430,000 | 30,534,000 |