Call reports 2004
PEOPLES BANK OF THE OZARKS — 2004
What PEOPLES BANK OF THE OZARKS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 241,690,000 | 249,798,000 | 258,513,000 | 262,487,000 |
| Total loans | 197,400,000 | 210,221,000 | 221,058,000 | 227,888,000 |
| Allowance for loan losses | 2,468,000 | 2,628,000 | 2,763,000 | 2,849,000 |
| Securities available for sale | 17,864,000 | 19,135,000 | 16,007,000 | 14,222,000 |
| Securities held to maturity | 3,650,000 | 3,515,000 | 3,515,000 | 3,505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,845,000 | 207,290,000 | 206,546,000 | 208,517,000 |
| Interest-bearing deposits | 168,170,000 | 169,582,000 | 168,941,000 | 170,656,000 |
| Noninterest-bearing deposits | 34,675,000 | 37,709,000 | 37,605,000 | 37,861,000 |
| Equity capital | 18,652,000 | 18,550,000 | 18,851,000 | 19,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,256,000 | 6,586,000 | 10,061,000 | 13,752,000 |
| Interest expense | 836,000 | 1,671,000 | 2,535,000 | 3,446,000 |
| Net interest income | 2,420,000 | 4,915,000 | 7,526,000 | 10,306,000 |
| Noninterest income | 263,000 | 444,000 | 715,000 | 964,000 |
| Noninterest expense | 1,827,000 | 3,616,000 | 5,448,000 | 7,418,000 |
| Provision for loan losses | 124,000 | 313,000 | 552,000 | 669,000 |
| Pretax income | 732,000 | 1,430,000 | 2,241,000 | 3,197,000 |
| Income tax | 267,000 | 520,000 | 837,000 | 1,133,000 |
| Net income | 465,000 | 910,000 | 1,404,000 | 2,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,537,000 | 18,666,000 | 18,843,000 | 19,186,000 |
| Total capital | 20,829,000 | 21,131,000 | 21,439,000 | 21,858,000 |
| Risk-weighted assets | 183,199,000 | 197,047,000 | 207,482,000 | 213,584,000 |