Call reports 2012
HERITAGE BANK OF THE OZARKS — 2012
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 50,043,000 | 55,559,000 | 56,028,000 | 59,711,000 |
| Total loans | 40,909,000 | 44,854,000 | 47,462,000 | 50,943,000 |
| Allowance for loan losses | 617,000 | 663,000 | 762,000 | 636,000 |
| Securities available for sale | 2,850,000 | 2,990,000 | 2,768,000 | 2,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,964,000 | 40,438,000 | 41,282,000 | 46,863,000 |
| Interest-bearing deposits | 31,299,000 | 35,225,000 | 35,865,000 | 41,719,000 |
| Noninterest-bearing deposits | 4,665,000 | 5,213,000 | 5,417,000 | 5,145,000 |
| Equity capital | 5,144,000 | 5,225,000 | 5,315,000 | 5,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,313,000 | 2,041,000 | 2,773,000 |
| Interest expense | 111,000 | 226,000 | 335,000 | 441,000 |
| Net interest income | 511,000 | 1,087,000 | 1,706,000 | 2,332,000 |
| Noninterest income | 154,000 | 343,000 | 547,000 | 767,000 |
| Noninterest expense | 573,000 | 1,162,000 | 1,751,000 | 2,425,000 |
| Provision for loan losses | 25,000 | 73,000 | 173,000 | 198,000 |
| Pretax income | 67,000 | 195,000 | 329,000 | 476,000 |
| Income tax | 25,000 | 72,000 | 122,000 | 176,000 |
| Net income | 42,000 | 123,000 | 207,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,113,000 | 5,195,000 | 5,279,000 | 5,371,000 |
| Total capital | 5,581,000 | 5,710,000 | 5,829,000 | 5,967,000 |
| Risk-weighted assets | 37,338,000 | 41,202,000 | 43,770,000 | 47,675,000 |