Call reports 2008
HERITAGE BANK OF THE OZARKS — 2008
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 38,474,000 | 40,167,000 | 40,746,000 | 42,839,000 |
| Total loans | 31,173,000 | 33,545,000 | 34,121,000 | 34,827,000 |
| Allowance for loan losses | 415,000 | 445,000 | 446,000 | 453,000 |
| Securities available for sale | 3,070,000 | 2,998,000 | 2,746,000 | 3,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,425,000 | 28,290,000 | 26,435,000 | 26,801,000 |
| Interest-bearing deposits | 25,112,000 | 24,472,000 | 23,088,000 | 23,270,000 |
| Noninterest-bearing deposits | 3,313,000 | 3,818,000 | 3,347,000 | 3,531,000 |
| Equity capital | 3,917,000 | 3,900,000 | 3,978,000 | 4,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 677,000 | 1,346,000 | 2,022,000 | 2,691,000 |
| Interest expense | 286,000 | 542,000 | 774,000 | 1,013,000 |
| Net interest income | 391,000 | 804,000 | 1,248,000 | 1,678,000 |
| Noninterest income | 101,000 | 201,000 | 293,000 | 369,000 |
| Noninterest expense | 421,000 | 844,000 | 1,278,000 | 1,715,000 |
| Provision for loan losses | 25,000 | 60,000 | 80,000 | 90,000 |
| Pretax income | 46,000 | 101,000 | 183,000 | 242,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 45,000 | 100,000 | 181,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,794,000 | 3,849,000 | 3,929,000 | 3,989,000 |
| Total capital | 4,186,000 | 4,268,000 | 4,345,000 | 4,422,000 |
| Risk-weighted assets | 31,351,000 | 33,443,000 | 33,257,000 | 34,658,000 |