Call reports 2016
HERITAGE BANK OF THE OZARKS — 2016
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 106,925,000 | 114,993,000 | 117,935,000 | 118,280,000 |
| Total loans | 85,126,000 | 88,781,000 | 89,202,000 | 90,059,000 |
| Allowance for loan losses | 1,253,000 | 1,338,000 | 1,428,000 | 1,463,000 |
| Securities available for sale | 11,929,000 | 16,953,000 | 17,306,000 | 18,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,337,000 | 91,688,000 | 94,492,000 | 96,476,000 |
| Interest-bearing deposits | 68,079,000 | 74,110,000 | 77,531,000 | 76,905,000 |
| Noninterest-bearing deposits | 17,258,000 | 17,578,000 | 16,961,000 | 19,571,000 |
| Equity capital | 10,018,000 | 10,350,000 | 10,565,000 | 10,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,230,000 | 2,504,000 | 3,810,000 | 5,141,000 |
| Interest expense | 131,000 | 268,000 | 423,000 | 571,000 |
| Net interest income | 1,099,000 | 2,236,000 | 3,387,000 | 4,570,000 |
| Noninterest income | 268,000 | 710,000 | 1,342,000 | 1,662,000 |
| Noninterest expense | 1,022,000 | 2,090,000 | 3,237,000 | 4,378,000 |
| Provision for loan losses | 42,000 | 126,000 | 217,000 | 259,000 |
| Pretax income | 309,000 | 738,000 | 1,286,000 | 1,607,000 |
| Income tax | 111,000 | 266,000 | 465,000 | 581,000 |
| Net income | 198,000 | 472,000 | 821,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,970,000 | 10,243,000 | 10,482,000 | 10,628,000 |
| Total capital | 10,920,000 | 11,245,000 | 11,509,000 | 11,687,000 |
| Risk-weighted assets | 75,704,000 | 79,851,000 | 81,767,000 | 84,307,000 |