Call reports 2003
PEOPLES BANK OF THE OZARKS — 2003
What PEOPLES BANK OF THE OZARKS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 223,867,000 | 230,407,000 | 228,275,000 | 233,525,000 |
| Total loans | 170,737,000 | 173,630,000 | 180,474,000 | 187,613,000 |
| Allowance for loan losses | 2,228,000 | 2,231,000 | 2,293,000 | 2,345,000 |
| Securities available for sale | 17,272,000 | 16,880,000 | 19,569,000 | 18,045,000 |
| Securities held to maturity | 4,481,000 | 4,221,000 | 3,970,000 | 3,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,116,000 | 189,372,000 | 188,857,000 | 194,347,000 |
| Interest-bearing deposits | 154,072,000 | 157,179,000 | 155,290,000 | 161,046,000 |
| Noninterest-bearing deposits | 29,044,000 | 32,194,000 | 33,567,000 | 33,301,000 |
| Equity capital | 17,834,000 | 18,041,000 | 18,168,000 | 18,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,263,000 | 6,517,000 | 9,762,000 | 13,004,000 |
| Interest expense | 967,000 | 1,911,000 | 2,758,000 | 3,572,000 |
| Net interest income | 2,296,000 | 4,606,000 | 7,004,000 | 9,432,000 |
| Noninterest income | 296,000 | 617,000 | 841,000 | 1,120,000 |
| Noninterest expense | 1,808,000 | 3,609,000 | 5,365,000 | 7,048,000 |
| Provision for loan losses | 17,000 | 56,000 | 80,000 | 229,000 |
| Pretax income | 767,000 | 1,558,000 | 2,400,000 | 3,275,000 |
| Income tax | 270,000 | 559,000 | 867,000 | 1,114,000 |
| Net income | 497,000 | 999,000 | 1,533,000 | 2,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,675,000 | 17,861,000 | 18,077,000 | 18,389,000 |
| Total capital | 19,693,000 | 19,910,000 | 20,170,000 | 20,577,000 |
| Risk-weighted assets | 161,231,000 | 163,757,000 | 167,234,000 | 174,893,000 |