Call reports 2009
HERITAGE BANK OF THE OZARKS — 2009
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 47,055,000 | 45,323,000 | 44,730,000 | 44,453,000 |
| Total loans | 36,303,000 | 35,447,000 | 36,677,000 | 36,747,000 |
| Allowance for loan losses | 553,000 | 573,000 | 606,000 | 663,000 |
| Securities available for sale | 2,768,000 | 2,667,000 | 2,912,000 | 1,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,559,000 | 31,701,000 | 32,094,000 | 30,254,000 |
| Interest-bearing deposits | 27,734,000 | 28,186,000 | 28,287,000 | 25,408,000 |
| Noninterest-bearing deposits | 3,825,000 | 3,515,000 | 3,806,000 | 4,846,000 |
| Equity capital | 4,086,000 | 4,135,000 | 4,159,000 | 4,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,327,000 | 2,002,000 | 2,664,000 |
| Interest expense | 235,000 | 468,000 | 669,000 | 837,000 |
| Net interest income | 423,000 | 859,000 | 1,333,000 | 1,827,000 |
| Noninterest income | 92,000 | 199,000 | 311,000 | 415,000 |
| Noninterest expense | 406,000 | 864,000 | 1,310,000 | 1,726,000 |
| Provision for loan losses | 100,000 | 120,000 | 227,000 | 287,000 |
| Pretax income | 9,000 | 74,000 | 118,000 | 277,000 |
| Income tax | 1,000 | 5,000 | 11,000 | 43,000 |
| Net income | 8,000 | 69,000 | 107,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,997,000 | 4,059,000 | 4,086,000 | 4,213,000 |
| Total capital | 4,443,000 | 4,503,000 | 4,517,000 | 4,652,000 |
| Risk-weighted assets | 35,573,000 | 35,387,000 | 34,314,000 | 34,818,000 |