Call reports 2023
HERITAGE BANK OF THE OZARKS — 2023
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 287,419,000 | 295,788,000 | 299,889,000 | 315,978,000 |
| Total loans | 218,448,000 | 223,419,000 | 229,383,000 | 243,007,000 |
| Allowance for loan losses | 2,515,000 | 2,558,000 | 2,642,000 | 2,678,000 |
| Securities available for sale | 41,752,000 | 40,999,000 | 39,554,000 | 42,636,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,328,000 | 260,037,000 | 268,344,000 | 274,075,000 |
| Interest-bearing deposits | 190,912,000 | 201,672,000 | 207,674,000 | 217,557,000 |
| Noninterest-bearing deposits | 59,416,000 | 58,365,000 | 60,670,000 | 56,518,000 |
| Equity capital | 22,478,000 | 22,414,000 | 22,227,000 | 23,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,112,000 | 6,597,000 | 10,395,000 | 14,589,000 |
| Interest expense | 923,000 | 1,994,000 | 3,194,000 | 4,565,000 |
| Net interest income | 2,189,000 | 4,603,000 | 7,201,000 | 10,024,000 |
| Noninterest income | 624,000 | 1,223,000 | 1,770,000 | 2,321,000 |
| Noninterest expense | 2,144,000 | 4,302,000 | 6,508,000 | 8,870,000 |
| Provision for loan losses | 45,000 | 100,000 | 184,000 | 252,000 |
| Pretax income | 624,000 | 1,427,000 | 2,281,000 | 3,231,000 |
| Income tax | 130,000 | 303,000 | 488,000 | 696,000 |
| Net income | 494,000 | 1,124,000 | 1,793,000 | 2,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,448,000 | 26,091,000 | 26,530,000 | 27,105,000 |