Call reports 2024
HERITAGE BANK OF THE OZARKS — 2024
What HERITAGE BANK OF THE OZARKS reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 317,078,000 | 342,291,000 | 361,170,000 | 363,232,000 |
| Total loans | 248,622,000 | 258,559,000 | 269,078,000 | 279,799,000 |
| Allowance for loan losses | 2,734,000 | 2,928,000 | 3,001,000 | 3,111,000 |
| Securities available for sale | 42,450,000 | 41,584,000 | 43,779,000 | 42,128,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,369,000 | 305,350,000 | 322,833,000 | 318,372,000 |
| Interest-bearing deposits | 230,207,000 | 246,791,000 | 260,258,000 | 262,053,000 |
| Noninterest-bearing deposits | 54,162,000 | 58,559,000 | 62,575,000 | 56,319,000 |
| Equity capital | 24,045,000 | 26,008,000 | 27,718,000 | 29,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,398,000 | 9,090,000 | 14,330,000 | 19,777,000 |
| Interest expense | 1,775,000 | 3,662,000 | 5,818,000 | 8,031,000 |
| Net interest income | 2,623,000 | 5,428,000 | 8,512,000 | 11,746,000 |
| Noninterest income | 548,000 | 1,225,000 | 1,871,000 | 2,491,000 |
| Noninterest expense | 2,231,000 | 4,469,000 | 6,789,000 | 9,107,000 |
| Provision for loan losses | 56,000 | 254,000 | 329,000 | 446,000 |
| Pretax income | 868,000 | 1,909,000 | 3,248,000 | 4,704,000 |
| Income tax | 188,000 | 418,000 | 718,000 | 1,047,000 |
| Net income | 680,000 | 1,491,000 | 2,530,000 | 3,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,553,000 | 29,634,000 | 30,406,000 | 33,318,000 |