Call reports 2020
HERITAGE BANK OF THE OZARKS — 2020
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 161,978,000 | 176,932,000 | 181,341,000 | 205,614,000 |
| Total loans | 119,540,000 | 128,509,000 | 132,359,000 | 146,073,000 |
| Allowance for loan losses | 1,877,000 | 1,934,000 | 1,992,000 | 2,041,000 |
| Securities available for sale | 25,967,000 | 22,747,000 | 18,346,000 | 21,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,536,000 | 150,548,000 | 154,568,000 | 176,982,000 |
| Interest-bearing deposits | 106,549,000 | 115,754,000 | 114,464,000 | 134,878,000 |
| Noninterest-bearing deposits | 25,987,000 | 34,794,000 | 40,104,000 | 42,104,000 |
| Equity capital | 14,980,000 | 15,290,000 | 15,571,000 | 17,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,801,000 | 5,692,000 | 7,765,000 |
| Interest expense | 392,000 | 723,000 | 1,007,000 | 1,258,000 |
| Net interest income | 1,524,000 | 3,078,000 | 4,685,000 | 6,507,000 |
| Noninterest income | 469,000 | 988,000 | 1,535,000 | 2,186,000 |
| Noninterest expense | 1,551,000 | 3,119,000 | 4,743,000 | 6,513,000 |
| Provision for loan losses | 100,000 | 188,000 | 218,000 | 263,000 |
| Pretax income | 342,000 | 756,000 | 1,255,000 | 1,911,000 |
| Income tax | 82,000 | 182,000 | 304,000 | 463,000 |
| Net income | 260,000 | 574,000 | 951,000 | 1,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,810,000 | 15,071,000 | 15,390,000 | 16,535,000 |