Call reports 2019
HERITAGE BANK OF THE OZARKS — 2019
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 144,127,000 | 148,143,000 | 157,856,000 | 163,416,000 |
| Total loans | 107,279,000 | 108,024,000 | 113,380,000 | 119,100,000 |
| Allowance for loan losses | 1,657,000 | 1,694,000 | 1,737,000 | 1,884,000 |
| Securities available for sale | 23,456,000 | 24,973,000 | 27,972,000 | 26,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,010,000 | 129,091,000 | 131,326,000 | 136,301,000 |
| Interest-bearing deposits | 102,945,000 | 105,785,000 | 105,478,000 | 109,224,000 |
| Noninterest-bearing deposits | 22,065,000 | 23,306,000 | 25,848,000 | 27,077,000 |
| Equity capital | 12,651,000 | 13,076,000 | 13,423,000 | 14,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,814,000 | 3,673,000 | 5,608,000 | 7,604,000 |
| Interest expense | 385,000 | 776,000 | 1,220,000 | 1,640,000 |
| Net interest income | 1,429,000 | 2,897,000 | 4,388,000 | 5,964,000 |
| Noninterest income | 516,000 | 939,000 | 1,340,000 | 1,770,000 |
| Noninterest expense | 1,346,000 | 2,706,000 | 4,100,000 | 5,523,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 351,000 |
| Pretax income | 553,000 | 1,039,000 | 1,476,000 | 1,843,000 |
| Income tax | 134,000 | 253,000 | 359,000 | 447,000 |
| Net income | 419,000 | 786,000 | 1,117,000 | 1,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,799,000 | 13,117,000 | 13,389,000 | 14,408,000 |
| Total capital | 14,117,000 | 14,470,000 | 14,841,000 | 15,958,000 |
| Risk-weighted assets | 105,060,000 | 107,924,000 | 115,881,000 | 123,703,000 |