Call reports 2015
HERITAGE BANK OF THE OZARKS — 2015
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 97,763,000 | 97,951,000 | 98,838,000 | 102,902,000 |
| Total loans | 79,456,000 | 82,030,000 | 83,077,000 | 86,104,000 |
| Allowance for loan losses | 976,000 | 1,061,000 | 1,171,000 | 1,211,000 |
| Securities available for sale | 6,342,000 | 8,830,000 | 8,837,000 | 9,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,225,000 | 75,140,000 | 77,108,000 | 78,974,000 |
| Interest-bearing deposits | 64,263,000 | 61,838,000 | 62,402,000 | 62,644,000 |
| Noninterest-bearing deposits | 11,962,000 | 13,302,000 | 14,707,000 | 16,329,000 |
| Equity capital | 8,797,000 | 9,296,000 | 9,584,000 | 9,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,177,000 | 3,318,000 | 4,489,000 |
| Interest expense | 116,000 | 234,000 | 356,000 | 484,000 |
| Net interest income | 935,000 | 1,943,000 | 2,962,000 | 4,005,000 |
| Noninterest income | 303,000 | 579,000 | 1,030,000 | 1,319,000 |
| Noninterest expense | 952,000 | 1,889,000 | 2,891,000 | 3,895,000 |
| Provision for loan losses | 65,000 | 150,000 | 260,000 | 300,000 |
| Pretax income | 223,000 | 483,000 | 846,000 | 1,134,000 |
| Income tax | 79,000 | 172,000 | 304,000 | 391,000 |
| Net income | 144,000 | 311,000 | 542,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,797,000 | 9,340,000 | 9,571,000 | 9,772,000 |
| Total capital | 9,715,000 | 10,251,000 | 10,485,000 | 10,707,000 |
| Risk-weighted assets | 73,435,000 | 72,765,000 | 72,899,000 | 74,515,000 |