Call reports 2011
HERITAGE BANK OF THE OZARKS — 2011
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 41,748,000 | 42,082,000 | 44,565,000 | 45,790,000 |
| Total loans | 33,547,000 | 34,101,000 | 36,103,000 | 37,175,000 |
| Allowance for loan losses | 557,000 | 572,000 | 587,000 | 592,000 |
| Securities available for sale | 2,625,000 | 2,920,000 | 2,560,000 | 2,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,680,000 | 30,311,000 | 32,822,000 | 32,289,000 |
| Interest-bearing deposits | 26,032,000 | 26,126,000 | 27,948,000 | 28,008,000 |
| Noninterest-bearing deposits | 4,648,000 | 4,185,000 | 4,873,000 | 4,282,000 |
| Equity capital | 4,804,000 | 4,910,000 | 5,010,000 | 5,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,179,000 | 1,800,000 | 2,435,000 |
| Interest expense | 84,000 | 172,000 | 269,000 | 371,000 |
| Net interest income | 506,000 | 1,007,000 | 1,531,000 | 2,064,000 |
| Noninterest income | 142,000 | 296,000 | 432,000 | 629,000 |
| Noninterest expense | 436,000 | 914,000 | 1,419,000 | 1,996,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 45,000 |
| Pretax income | 202,000 | 364,000 | 504,000 | 652,000 |
| Income tax | 77,000 | 129,000 | 173,000 | 222,000 |
| Net income | 125,000 | 235,000 | 331,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,767,000 | 4,877,000 | 4,972,000 | 5,071,000 |
| Total capital | 5,163,000 | 5,279,000 | 5,389,000 | 5,500,000 |
| Risk-weighted assets | 31,566,000 | 31,981,000 | 33,162,000 | 34,179,000 |