Call reports 2013
HERITAGE BANK OF THE OZARKS — 2013
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,630,000 | 63,626,000 | 64,597,000 | 71,180,000 |
| Total loans | 53,749,000 | 54,940,000 | 56,560,000 | 62,689,000 |
| Allowance for loan losses | 634,000 | 661,000 | 717,000 | 703,000 |
| Securities available for sale | 2,569,000 | 2,760,000 | 2,508,000 | 2,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,043,000 | 50,844,000 | 49,848,000 | 56,941,000 |
| Interest-bearing deposits | 45,001,000 | 43,180,000 | 42,815,000 | 49,570,000 |
| Noninterest-bearing deposits | 6,042,000 | 7,665,000 | 7,033,000 | 7,371,000 |
| Equity capital | 5,503,000 | 5,650,000 | 5,766,000 | 5,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,502,000 | 2,284,000 | 3,108,000 |
| Interest expense | 107,000 | 204,000 | 294,000 | 401,000 |
| Net interest income | 643,000 | 1,298,000 | 1,990,000 | 2,707,000 |
| Noninterest income | 192,000 | 451,000 | 741,000 | 922,000 |
| Noninterest expense | 674,000 | 1,298,000 | 2,012,000 | 2,848,000 |
| Provision for loan losses | 0 | 25,000 | 90,000 | 95,000 |
| Pretax income | 161,000 | 426,000 | 629,000 | 686,000 |
| Income tax | 60,000 | 158,000 | 233,000 | 251,000 |
| Net income | 101,000 | 268,000 | 396,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,473,000 | 5,640,000 | 5,767,000 | 5,807,000 |
| Total capital | 6,104,000 | 6,288,000 | 6,424,000 | 6,510,000 |
| Risk-weighted assets | 50,532,000 | 51,207,000 | 52,616,000 | 58,795,000 |