Bank of the Ozarks in Little Rock, Arkansas (AR), GA, TX, FL, NC



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Bank of the Ozarks routing number info

Table of contents:
Bank of the Ozarks
GeneralFDIC Certificate #: 110
Status: Active
Federal Reserve ID: 107244
Bank Holding Company (Regulatory Top Holder): Bank Of The Ozarks Inc (RSSDID: 1097089, Location: Little Rock, AR)
Date Established: March 03, 1903
WWW: http://www.bankozarks.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 115 (Domestic: 113, Interstate: Yes)
OTS Docket #: 9592
FDIC's unique #: 89
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 29, 2011
Last Structure Change Process Date: May 03, 2011
Last Data Update: May 03, 2011
Data Source Date: April 05, 2012
LocationAddress: 17901 Chenal Parkway, Little Rock, AR 72223
County: Pulaski
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Little Rock-North Little Rock, AR (#4400)
Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780)
CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal assets: $3,828.0 mil
Equity capital: $466.2 mil
Deposits held in domestic offices: $2,955.2 mil
Return on assets (ROA): 2.82% ($107.9 mil)
Quarterly return on assets: 1.88% ($72.0 mil)
Return on Equity (ROE): 24.79% ($115.5 mil)
Quarterly return on equity: 15.90% ($74.1 mil)
Net income: $103.5 mil
Quarterly Net income: $18.2 mil
Pretax return on assets: 4.24% ($162,307.7 mil)
Quarterly Pretax return on assets: 2.72% ($104,121.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)1,084
Total assets$3,828,011
Cash and due from depository institutions$58,927
Interest-bearing balances$680
Securities$421,082
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$2,644,269
Loan loss allowance $39,169
Trading account assets$0
Bank premises and fixed assets$181,491
Other real estate owned$104,516
Goodwill and other intangibles$11,115
All other assets$406,611
Life insurance assets$3,828,011
Total liabilities and capital$3,358,358
Total liabilities$2,955,226
Total deposits$2,496,706
Interest-bearing deposits$2,955,226
Deposits held in domestic offices$98
% insured (estimated)53860.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$280,797
Other borrowed funds $0
Subordinated debt $68,475
All other liabilities $469,653
Total equity capital$466,231
Total bank equity capital$466,231
Perpetual preferred stock$0
Common stock$58
Surplus$176,182
Undivided profits $289,991
Memoranda
Noncurrent loans and leases $3,422
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $17,928
Income earned, not collected on loans $197,387
Earning assets $0
Long-term assets (5+ years) $12,834
Average Assets, year-to-date $3,066,031
Average Assets, quarterly $506,516
Volatile liabilities $3,667,008
Insider loans $3,875,341
FHLB advances $2,625,854
Loans and leases held for sale $3,850,277
Unused loan commitments $62,079
Tier 1 (core) risk-based capital $62,079
Tier 2 risk-based capital $445,789
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $353,439
Derivatives$2,150
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $198,720
Total interest expense $28,695
Net interest income $170,025
Provision for loan and lease losses $11,775
Total noninterest income $116,060
Fiduciary activities $3,238
Service charges on deposit accounts $12,848
Trading account gains & fees $0
Additional noninterest income $99,974
Total noninterest expense $119,741
Salaries and employee benefits $54,354
Premises and equipment expense $14,467
Additional noninterest expense $50,920
Pre-tax net operating income $154,569
Securities gains (losses) $933
Applicable income taxes $52,001
Income before extraordinary items $103,501
Extraordinary gains - net $0
Net income attributable to bank $103,519
Net charge-offs -$18
Cash dividends $103,501
Sale, conversion, retirement of capital stock, net $12,836
Net operating income $12,300
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.77%
Cost of funding earning assets 0.98%
Net interest margin 5.79%
Noninterest income to earning assets 3.96%
Noninterest expense to earning assets 4.08%
Net operating income to assets 2.81%
Return on assets (ROA) 2.82%
Pretax return on assets 4.24%
Return on equity (ROE) 24.79%
Retained earnings to average equity (YTD only) 21.84%
Net charge-offs to loans 0.50%
Credit loss provision to net charge-offs 91.73%
Efficiency ratio12.96%
Assets per employee$41,269
Cash dividends to net income (YTD only)3.53%
Condition Ratios (%)
Loss allowance to loans 11.88%
Loss allowance to noncurrent loans 1.46%
Noncurrent assets plus other real estate owned to assets 19.84%
Noncurrent loans to loans 7.89%
Net loans and leases to deposits7.36%
Net loans and leases to core deposits 89.48%
Equity capital to assets 93.79%
Core capital (leverage) ratio 12.18%
Tier 1 risk-based capital ratio 11.58%
Total risk-based capital ratio 16.98%
Memoranda
Average assets$18
Average earning assets$3,667,008
Average equity $417,652
Average loans $2,934,049
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$802,325
Number of Accounts1
Personal trust and agency accounts$326,105
Employee benefit-defined contribution accounts$217,475
Employee benefit-defined benefit accounts$2,373
Other retirement accounts$0
Corporate trust and agency accounts$33,307
Investment management agency accounts$0
Other fiduciary accounts$70,826
Fiduciary accounts held in foreign offices$0
Non-managed Assets$2,124
Number of Accounts1341
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$33,307
Employee benefit-defined benefit accounts$0
Other retirement accounts$476,220
Corporate trust and agency accounts$7,366
Other fiduciary accounts$1,246
Fiduciary accounts held in foreign offices$121,530
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1 Alabama Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
98465278Mobile Dauphin Branch200 Dauplin Street, Mobile, AL 36602July 05, 2007Full Service Brick and Mortar
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66 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
089Bank Of The Ozarks17901 Chenal Parkway, Little Rock, AR 72223March 03, 1903Full Service Brick and Mortar
1181075Western Grove BranchU.S. Highway 65 & State Highway 123, Western Grove, AR 72685September 27, 1976Full Service Brick and Mortar
2181076Marshall Branch600 Highway 65 North, Marshall, AR 72650Febuary 15, 1995Full Service Brick and Mortar
3181077Harrison North Branch901 North Cv, Harrison, AR 72601Febuary 14, 1996Full Service Brick and Mortar
4181078Bellefonte Branch3334 Highway 65 South, Harrison, AR 72601December 08, 1997Full Service Brick and Mortar
69806Jasper Branch100 East Church St, Jasper, AR 72641October 01, 1934Full Service Brick and Mortar
7234437Altus Branch1612 Franklin St, Altus, AR 72821July 10, 1972Full Service Brick and Mortar
8234439Ozark Westside Branch2011 West Commercial Street, Ozark, AR 72949April 06, 1993Full Service Brick and Mortar
9234440Clarksville Main Branch1010 West Main, Clarksville, AR 72830November 28, 1994Full Service Brick and Mortar
10234441Clarksville Rogers Ave Branch1144 Rogers Avenue, Clarksville, AR 72830August 14, 1995Full Service Brick and Mortar
11234442Van Buren Pointer Tr Branch515 Pointer Trail East, Van Buren, AR 72956October 02, 1995Full Service Brick and Mortar
12234443Mulberry Branch115 Highway 64 West, Mulberry, AR 72947March 26, 1997Full Service Brick and Mortar
14234445Fort Smith Rogers Branch5401 Rogers Avenue, Fort Smith, AR 72903November 10, 1997Full Service Brick and Mortar
15234446Paris Branch1405 East Walnut, Paris, AR 72855July 31, 1997Full Service Brick and Mortar
16234447Alma Branch611 Highway 71 North, Alma, AR 72921September 04, 1997Full Service Brick and Mortar
1744339Chester Branch109 North Chester, Little Rock, AR 72201January 01, 1965Full Service Brick and Mortar
18285149Rodney Parham Branch11102 Rodney Parham, Little Rock, AR 72212June 16, 1998Full Service Brick and Mortar
19285150Ozark Porter Hillard Branch601 West Commerical Street, Ozark, AR 72949June 22, 1998Full Service Brick and Mortar
20285151Cantrell Road Branch7500 Cantrell Road, Little Rock, AR 72207December 14, 1998Full Service Brick and Mortar
22181079Harrison Main Branch315 North Walnut, Harrison, AR 72601June 21, 1999Full Service Brick and Mortar
23181080Clinton Branch1750 Highway 65 South, Clinton, AR 72031November 29, 1999Full Service Brick and Mortar
24181081North Hills Branch4846 North Hills Blvd, North Little Rock, AR 72116December 15, 1999Full Service Brick and Mortar
25356690Yellville Branch104 West Old Main Street, Yellville, AR 72687May 30, 2000Full Service Brick and Mortar
27206198Lonoke Branch303 East Front Street, Lonoke, AR 72086July 06, 1998Full Service Brick and Mortar
28360860Fort Smith Zero St Branch2520 South Zero St, Fort Smith, AR 72908April 01, 2001Full Service Brick and Mortar
29360861Otter Creek Branch13415 Otter Creek Pkwy, Little Rock, AR 72210May 01, 2001Full Service Brick and Mortar
30364355Conway Main Branch551 Harkrider St, Conway, AR 72032Febuary 20, 2002Full Service Brick and Mortar
31364402Maumelle Branch120 Audubon Dr, Maumelle, AR 72113Febuary 11, 2002Full Service Brick and Mortar
32365524Hot Springs Village Branch25255 Highway 5, Ste B-1, Lonsdale, AR 72087September 16, 2002Full Service Retail
34366054Conway North Branch1745 Old Morrilton Highway, Conway, AR 72032December 16, 2002Full Service Brick and Mortar
35418643Conway Salem Prince Branch2885 Prince Street, Conway, AR 72034April 07, 2003Full Service Brick and Mortar
36418940Bryant Highway 5 Branch5910 Highway 5 North, Bryant, AR 72022April 28, 2003Full Service Brick and Mortar
37418941Cabot Main Branch615 West Main Street, Cabot, AR 72023April 29, 2003Full Service Brick and Mortar
38419005Taylor Loop Branch14825 Cantrell Road, Little Rock, AR 72223May 19, 2003Full Service Brick and Mortar
3957670Russellville Main Branch405 West Main Street, Russellville, AR 72801July 25, 1997Full Service Brick and Mortar
42422951Fort Smith Phoenix Branch8501 Phoenix Avenue, Fort Smith, AR 72903September 17, 2003Full Service Brick and Mortar
43424268Benton Military Rd Branch1700 Military Road, Benton, AR 72015December 11, 2003Full Service Brick and Mortar
45426751Cabot 2nd Street Branch3091 South 2nd Street, Cabot, AR 72023March 16, 2004Full Service Brick and Mortar
46428707Van Buren Main St Branch1412 Main Street, Van Buren, AR 72956May 04, 2004Full Service Brick and Mortar
50429587Conway East Branch1104 East Oak Street, Conway, AR 72032June 30, 2004Full Service Brick and Mortar
51429588Russellville East Parkway Branch2305 East Parkway, Russellville, AR 72802June 29, 2004Full Service Brick and Mortar
58432268East Mccain Branch4420 East Mccain Boulevard, North Little Rock, AR 72117September 30, 2004Full Service Brick and Mortar
59433047Markham & Rodney Parham Branch101 North Rodney Parham Road, Little Rock, AR 72205November 19, 2004Full Service Brick and Mortar
60433574Sherwood Branch8718 Highway 107, Sherwood, AR 72120December 20, 2004Full Service Brick and Mortar
61437774Mountain Home Main Branch100 Highway 5 North, Mountain Home, AR 72653January 31, 2005Full Service Brick and Mortar
62437775Levy Branch3640 Camp Robinson Road, North Little Rock, AR 72118January 31, 2005Full Service Brick and Mortar
63439266Mountain Home East Branch2575 Highway 62 East, Mountain Home, AR 72653March 10, 2005Full Service Brick and Mortar
65440121Fayetteville Crossover Branch2060 North Crossover Road, Fayetteville, AR 72703April 25, 2005Full Service Retail
66441452Benton Hwy 35 Branch1216 Highway 35, Benton, AR 72015June 28, 2005Full Service Brick and Mortar
67446049Russellville West Branch3110 West Main, Russellville, AR 72801November 15, 2005Full Service Brick and Mortar
68446875Bentonville Hwy 102 Branch405 Sw 14th Street, Bentonville, AR 72712November 28, 2005Full Service Brick and Mortar
69447970Rogers 47th St Branch800 North 47th Street, Rogers, AR 72756Febuary 16, 2006Full Service Brick and Mortar
70449791Hot Springs Central Branch4044 Central Avenue, Hot Springs, AR 71913March 06, 2006Full Service Brick and Mortar
71452338Bentonville Walton/Dodson Branch1010 Southeast Walton Boulevard, Bentonville, AR 72712June 30, 2006Full Service Brick and Mortar
72453965Texarkana Arkansas Boulevard Branch503 Arkansas Boulevard, Texarkana, AR 71854August 07, 2006Full Service Brick and Mortar
75455613Hot Springs Albert Pike Branch1410 Albert Pike, Hot Springs, AR 71913August 28, 2006Full Service Brick and Mortar
76456846Bella Vista Highlands Branch791 Lancashire Boulevard, Bella Vista, AR 72715November 30, 2006Full Service Brick and Mortar
77456848Bella Vista Sugar Creek Branch80 Sugar Creek Center, Bella Vista, AR 72714November 30, 2006Full Service Brick and Mortar
80457602Rogers Pleasant Grove Branch2501 West Pleasant Grove Road, Rogers, AR 72758December 20, 2006Full Service Brick and Mortar
81463211Hot Springs Malvern Avenue Branch1617 Malvern Avenue, Hot Springs, AR 71901May 21, 2007Full Service Brick and Mortar
82466032Springdale Jones Road Branch7154 West Sunset Ave, Springdale, AR 72762August 01, 2006Full Service Brick and Mortar
83467999Fayetteville Wedington Branch3474 West Wedington Drive, Fayetteville, AR 72704August 28, 2007Full Service Brick and Mortar
86470119Rogers New Hope Branch3567 West New Hope Road, Rogers, AR 72758December 17, 2007Full Service Brick and Mortar
88484678Chenal Parkway Branch12615 Chenal Parkway, Little Rock, AR 72211December 15, 2008Full Service Brick and Mortar
89494845Capitol Branch325 West Capitol Avenue, Little Rock, AR 72201September 14, 2009Full Service Brick and Mortar
115515145Benton Alcoa Branch7250 Alcoa Road, Benton, AR 72015December 13, 2010Full Service Brick and Mortar
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4 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
10674365Bradenton Main Branch900 53rd Ave E, Bradenton, FL 34203October 25, 1999Full Service Brick and Mortar
107360624Bradenton Blake Hospital Branch2102 59th St W, Bradenton, FL 34209June 25, 2001Full Service Brick and Mortar
108452407Palmetto Branch501 8th Ave West, Palmetto, FL 34221October 28, 2005Full Service Brick and Mortar
13439406Ocala Branch8375 Southwest State Road 200, Ocala, FL 34481June 20, 1988Full Service Brick and Mortar
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27 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
9161189Cartersville Main Branch950 Joe Frank Harris Parkway, S.E., Cartersville, GA 30120November 30, 1998Full Service Brick and Mortar
92290777Adairsville Branch7450 Adairsville Highway, Northwest, Adairsville, GA 30103January 04, 1999Full Service Brick and Mortar
93362394Rome Branch42 Three Rivers Drive, Northeast, Rome, GA 30161October 09, 2001Full Service Brick and Mortar
94440813Cartersville Henderson Branch601 Henderson Dr, Cartersville, GA 30120May 11, 2005Full Service Brick and Mortar
95453536Calhoun Branch150 W.C. Bryant Pkwy, Calhoun, GA 30701May 01, 2006Full Service Brick and Mortar
104477864Savannah Brand200 Stephenson Ave, Ste 100, Savannah, GA 31405July 01, 2008Full Service Retail
11060637Dawsonville Main Branch6639 Highway 53 E, Dawsonville, GA 30534May 15, 1998Full Service Brick and Mortar
111358814Dawsonville Downtown Branch500 Highway 53 E, Dawsonville, GA 30534October 20, 2000Full Service Brick and Mortar
112360433Marble Hill Branch34 Holcomb Way, Marble Hill, GA 30148May 21, 2001Full Service Brick and Mortar
113419410Cumming Branch2675 Freedom Pkwy, Cumming, GA 30041May 22, 2003Full Service Brick and Mortar
117425157St. Simons Branch1809 Frederica Road, Saint Simons Island, GA 31522December 18, 2003Full Service Brick and Mortar
118515768Brunswick Main Branch3344 Cypress Mill Rd, Brunswick, GA 31520January 15, 2011Full Service Brick and Mortar
121455709Dallas Ga Branch68 First National Dr, Dallas, GA 30157April 09, 2007Full Service Brick and Mortar
124238375Sharpsburg Branch6548 Highway 54, Sharpsburg, GA 30277December 31, 1982Full Service Brick and Mortar
125365935Newnan Downtown Branch16 E Broad St, Newnan, GA 30263December 16, 2002Full Service Brick and Mortar
127465204Douglasville Branch2750 Chapel Hill Rd, Ste 100, Douglasville, GA 30135June 01, 2007Full Service Retail
128465226Senoia Branch8180 East Highway 16, Senoia, GA 30276May 24, 2007Full Service Brick and Mortar
12913591Valdosta Main Branch3102 N Oak St Extension, Valdosta, GA 31602August 01, 1956Full Service Brick and Mortar
130249554Valdosta Downtown Branch124 W Hill Ave, Valdosta, GA 31601June 03, 1985Full Service Brick and Mortar
131249555Lake Park Branch1012 Lakes Boulevard, Lake Park, GA 31636January 02, 1986Full Service Brick and Mortar
132249557Valdosta Baytree Branch1517 Baytree Rd, Valdosta, GA 31602December 14, 1998Full Service Brick and Mortar
133360598Mcdonough Branch1400 Zack Hinton Pkwy, Mcdonough, GA 30253November 27, 2000Full Service Brick and Mortar
13542168Bainbridge Downtown Branch226 S Broad St, Bainbridge, GA 39817January 01, 1934Full Service Brick and Mortar
136274610Cairo Branch802 North Broad Street, Cairo, GA 39828June 30, 1988Full Service Brick and Mortar
137233500Bainbridge Town Center Branch1705 E Shotwell St, Bainbridge, GA 39817May 21, 1980Limited Service Facility
138419760Oakwood Branch4058 Continental Drive, Oakwood, GA 30566July 01, 2002Full Service Brick and Mortar
140465867Athens Branch1081 Parkway Blvd, Athens, GA 30606October 16, 2006Full Service Brick and Mortar
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1 Louisiana Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
85468161Psb Home Loans - Loan Production Off1006 Surrey Street, Lafayette, LA 70501May 15, 2007Limited Service Loan Production
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2 North Carolina Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
54430591Charlotte, North Carolina Loan Production Office1051 East Morehead Street, Suite 250, Charlotte, NC 28204July 01, 2004Limited Service Loan Production
103475491Wilmington Branch1612 Military Cutoff, Wilmington, NC 28403May 23, 2008Full Service Brick and Mortar
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1 South Carolina Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
9645405Bluffton Branch1 Sherington Dr, Unit J, Bluffton, SC 29910November 04, 1987Full Service Retail
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13 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
41419599Westchester Drive Loan Production Br8201 Preston Rd, Suite 700, Dallas, TX 75223August 04, 2003Limited Service Loan Production
53430233Frisco Preston/Lebanon Branch5178 Preston Road, Frisco, TX 75034June 29, 2004Full Service Retail
56432266Dallas Sterling Plaza Branch8201 Preston Road, Suite 700, Dallas, TX 75223September 30, 2004Full Service Retail
57432267Texarkana Summerhill Branch5202 Summerhill Road, Texarkana, TX 75503September 30, 2004Full Service Retail
73453966Texarkana Richmond Road Branch2609 Richmond Road, Texarkana, TX 75503August 07, 2006Full Service Brick and Mortar
78457105Frisco Tollway Branch7197 Lebanon Road, Frisco, TX 75034December 04, 2006Full Service Brick and Mortar
87473057Lewisville Branch198 East Round Grove Road, Lewisville, TX 75067Febuary 25, 2008Full Service Brick and Mortar
90499534Allen, Texas Branch1054 West Bethany Drive, Allen, TX 75013December 16, 2009Full Service Brick and Mortar
119516204Plano Branch5925 West Park Boulevard, Plano, TX 75093January 26, 2011Full Service Brick and Mortar
120517812Carrollton Tx Branch3336 E Hebron Pkwy, Carrollton, TX 75010Febuary 24, 2011Full Service Brick and Mortar
141521683Keller Branch600 Keller Parkway, Keller, TX 76248May 16, 2011Full Service Brick and Mortar
142527849Austin, Texas Loan Production Office111 Congress Avenue, Suite 400, Austin, TX 78701January 03, 2012Limited Service Loan Production
143528885The Colony Branch4701 State Highway 121, The Colony, TX 75056Febuary 14, 2012Full Service Brick and Mortar
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