Call reports 2010
HERITAGE BANK OF THE OZARKS — 2010
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 45,360,000 | 43,990,000 | 43,024,000 | 43,090,000 |
| Total loans | 36,304,000 | 36,183,000 | 34,652,000 | 33,653,000 |
| Allowance for loan losses | 587,000 | 632,000 | 633,000 | 555,000 |
| Securities available for sale | 2,104,000 | 1,773,000 | 2,073,000 | 2,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,338,000 | 29,964,000 | 32,091,000 | 31,553,000 |
| Interest-bearing deposits | 26,672,000 | 25,336,000 | 27,754,000 | 27,431,000 |
| Noninterest-bearing deposits | 4,666,000 | 4,628,000 | 4,338,000 | 4,122,000 |
| Equity capital | 4,316,000 | 4,422,000 | 4,623,000 | 4,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,258,000 | 1,890,000 | 2,508,000 |
| Interest expense | 116,000 | 216,000 | 306,000 | 397,000 |
| Net interest income | 513,000 | 1,042,000 | 1,584,000 | 2,111,000 |
| Noninterest income | 113,000 | 219,000 | 364,000 | 508,000 |
| Noninterest expense | 487,000 | 969,000 | 1,459,000 | 2,061,000 |
| Provision for loan losses | 59,000 | 104,000 | 104,000 | 104,000 |
| Pretax income | 80,000 | 188,000 | 385,000 | 454,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 25,000 |
| Net income | 71,000 | 170,000 | 358,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,283,000 | 4,382,000 | 4,571,000 | 4,642,000 |
| Total capital | 4,723,000 | 4,813,000 | 4,982,000 | 5,042,000 |
| Risk-weighted assets | 35,085,000 | 34,334,000 | 32,626,000 | 31,830,000 |