Call reports 2014
HERITAGE BANK OF THE OZARKS — 2014
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 76,682,000 | 84,796,000 | 88,548,000 | 91,890,000 |
| Total loans | 67,583,000 | 73,411,000 | 75,642,000 | 78,214,000 |
| Allowance for loan losses | 723,000 | 803,000 | 866,000 | 912,000 |
| Securities available for sale | 3,088,000 | 4,128,000 | 5,766,000 | 6,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,467,000 | 68,018,000 | 70,408,000 | 71,368,000 |
| Interest-bearing deposits | 53,232,000 | 58,510,000 | 59,886,000 | 60,788,000 |
| Noninterest-bearing deposits | 9,235,000 | 9,509,000 | 10,522,000 | 10,581,000 |
| Equity capital | 5,843,000 | 7,399,000 | 6,971,000 | 7,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 871,000 | 1,826,000 | 2,849,000 | 3,908,000 |
| Interest expense | 110,000 | 233,000 | 356,000 | 471,000 |
| Net interest income | 761,000 | 1,593,000 | 2,493,000 | 3,437,000 |
| Noninterest income | 152,000 | 330,000 | 542,000 | 812,000 |
| Noninterest expense | 839,000 | 1,697,000 | 2,584,000 | 3,515,000 |
| Provision for loan losses | 20,000 | 100,000 | 162,000 | 221,000 |
| Pretax income | 55,000 | 126,000 | 308,000 | 532,000 |
| Income tax | 20,000 | 46,000 | 113,000 | 183,000 |
| Net income | 35,000 | 80,000 | 195,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,842,000 | 7,386,000 | 7,001,000 | 7,879,000 |
| Total capital | 6,565,000 | 8,189,000 | 7,844,000 | 8,760,000 |
| Risk-weighted assets | 63,473,000 | 64,589,000 | 67,407,000 | 70,464,000 |