Call reports 2005
PEOPLES BANK OF THE OZARKS — 2005
What PEOPLES BANK OF THE OZARKS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 273,644,000 | 288,608,000 | 270,850,000 | 276,463,000 |
| Total loans | 239,436,000 | 238,046,000 | 231,866,000 | 237,824,000 |
| Allowance for loan losses | 2,824,000 | 2,819,000 | 2,813,000 | 2,737,000 |
| Securities available for sale | 12,896,000 | 12,908,000 | 12,879,000 | 13,009,000 |
| Securities held to maturity | 3,270,000 | 3,270,000 | 3,270,000 | 3,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,882,000 | 231,039,000 | 206,291,000 | 217,576,000 |
| Interest-bearing deposits | 173,916,000 | 185,846,000 | 167,940,000 | 181,292,000 |
| Noninterest-bearing deposits | 37,966,000 | 45,193,000 | 38,351,000 | 36,284,000 |
| Equity capital | 19,311,000 | 25,832,000 | 26,936,000 | 27,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,812,000 | 7,917,000 | 12,163,000 | 16,553,000 |
| Interest expense | 1,138,000 | 2,479,000 | 3,984,000 | 5,636,000 |
| Net interest income | 2,674,000 | 5,438,000 | 8,179,000 | 10,917,000 |
| Noninterest income | 253,000 | 719,000 | 2,211,000 | 2,511,000 |
| Noninterest expense | 1,971,000 | 3,985,000 | 5,854,000 | 7,740,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 954,000 | 2,170,000 | 4,534,000 | 5,686,000 |
| Income tax | 343,000 | 771,000 | 1,626,000 | 2,036,000 |
| Net income | 611,000 | 1,399,000 | 2,908,000 | 3,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,466,000 | 25,923,000 | 27,046,000 | 27,403,000 |
| Total capital | 22,218,000 | 28,742,000 | 29,854,000 | 30,140,000 |
| Risk-weighted assets | 220,089,000 | 226,469,000 | 224,596,000 | 230,652,000 |