Bank Ozk
NASDAQ:OZK
Income Statement
Income Statement
Bank Ozk
| Mar-2002 | Jun-2002 | Sep-2002 | Dec-2002 | Mar-2003 | Jun-2003 | Sep-2003 | Dec-2003 | Mar-2004 | Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
33
|
36
|
39
|
40
|
43
|
45
|
47
|
49
|
52
|
55
|
58
|
61
|
63
|
65
|
67
|
69
|
70
|
71
|
71
|
71
|
72
|
73
|
75
|
78
|
81
|
86
|
90
|
99
|
107
|
114
|
119
|
118
|
115
|
115
|
118
|
124
|
133
|
145
|
157
|
169
|
176
|
176
|
176
|
174
|
175
|
176
|
182
|
194
|
202
|
223
|
247
|
271
|
304
|
333
|
354
|
382
|
409
|
434
|
513
|
602
|
680
|
763
|
797
|
817
|
844
|
867
|
878
|
891
|
900
|
899
|
898
|
884
|
868
|
860
|
866
|
889
|
914
|
938
|
961
|
990
|
1 004
|
1 030
|
1 076
|
1 142
|
1 238
|
1 329
|
1 401
|
1 439
|
1 472
|
1 503
|
1 525
|
1 534
|
1 531
|
1 540
|
1 565
|
1 592
|
|
| Interest Income |
59
|
59
|
60
|
61
|
62
|
64
|
66
|
69
|
72
|
76
|
80
|
85
|
91
|
97
|
104
|
113
|
122
|
133
|
145
|
155
|
164
|
171
|
174
|
177
|
179
|
181
|
181
|
183
|
184
|
180
|
175
|
166
|
157
|
153
|
154
|
158
|
166
|
178
|
189
|
199
|
205
|
202
|
200
|
196
|
195
|
195
|
201
|
212
|
221
|
242
|
267
|
291
|
326
|
356
|
380
|
410
|
440
|
471
|
562
|
663
|
755
|
852
|
899
|
933
|
976
|
1 022
|
1 058
|
1 101
|
1 139
|
1 162
|
1 174
|
1 163
|
1 139
|
1 110
|
1 088
|
1 081
|
1 073
|
1 070
|
1 064
|
1 071
|
1 070
|
1 087
|
1 148
|
1 266
|
1 452
|
1 679
|
1 922
|
2 128
|
2 316
|
2 476
|
2 592
|
2 650
|
2 648
|
2 649
|
2 662
|
2 670
|
|
| Interest Expense |
26
|
23
|
21
|
21
|
19
|
20
|
20
|
20
|
20
|
21
|
22
|
25
|
28
|
32
|
37
|
44
|
52
|
62
|
74
|
84
|
93
|
98
|
99
|
99
|
98
|
95
|
90
|
84
|
76
|
66
|
57
|
48
|
42
|
38
|
36
|
34
|
33
|
33
|
32
|
30
|
29
|
26
|
23
|
22
|
20
|
19
|
19
|
19
|
19
|
19
|
20
|
21
|
22
|
24
|
25
|
28
|
31
|
36
|
48
|
61
|
75
|
89
|
102
|
115
|
132
|
155
|
180
|
209
|
239
|
262
|
276
|
278
|
271
|
249
|
222
|
192
|
159
|
132
|
103
|
82
|
65
|
58
|
71
|
124
|
215
|
351
|
520
|
689
|
845
|
973
|
1 068
|
1 116
|
1 117
|
1 109
|
1 097
|
1 078
|
|
| Non Interest Income |
8
|
9
|
10
|
12
|
13
|
15
|
17
|
17
|
18
|
18
|
18
|
18
|
19
|
18
|
19
|
19
|
21
|
21
|
22
|
23
|
23
|
24
|
23
|
23
|
22
|
22
|
22
|
19
|
24
|
41
|
42
|
51
|
59
|
46
|
65
|
70
|
66
|
132
|
123
|
117
|
118
|
59
|
57
|
63
|
65
|
69
|
76
|
76
|
80
|
79
|
76
|
85
|
94
|
100
|
102
|
105
|
96
|
95
|
102
|
102
|
112
|
121
|
124
|
124
|
123
|
119
|
110
|
108
|
103
|
102
|
105
|
108
|
111
|
106
|
106
|
105
|
109
|
115
|
115
|
116
|
115
|
114
|
117
|
115
|
111
|
117
|
113
|
123
|
124
|
121
|
128
|
124
|
130
|
133
|
135
|
136
|
|
| Revenue |
41
N/A
|
45
+10%
|
49
+10%
|
52
+5%
|
56
+9%
|
60
+6%
|
64
+7%
|
66
+4%
|
70
+5%
|
73
+5%
|
76
+4%
|
79
+4%
|
82
+4%
|
84
+2%
|
86
+3%
|
88
+2%
|
91
+3%
|
92
+1%
|
93
+1%
|
94
+1%
|
95
+1%
|
97
+2%
|
98
+2%
|
101
+3%
|
103
+3%
|
108
+4%
|
112
+4%
|
118
+5%
|
131
+11%
|
155
+18%
|
160
+4%
|
169
+6%
|
174
+3%
|
160
-8%
|
183
+14%
|
194
+6%
|
198
+2%
|
277
+40%
|
280
+1%
|
286
+2%
|
294
+3%
|
235
-20%
|
233
-1%
|
237
+2%
|
240
+1%
|
245
+2%
|
258
+6%
|
270
+4%
|
282
+5%
|
302
+7%
|
323
+7%
|
355
+10%
|
397
+12%
|
432
+9%
|
457
+6%
|
487
+7%
|
505
+4%
|
530
+5%
|
616
+16%
|
704
+14%
|
791
+12%
|
884
+12%
|
922
+4%
|
941
+2%
|
968
+3%
|
986
+2%
|
988
+0%
|
999
+1%
|
1 003
+0%
|
1 002
0%
|
1 002
+0%
|
992
-1%
|
979
-1%
|
966
-1%
|
973
+1%
|
993
+2%
|
1 023
+3%
|
1 053
+3%
|
1 075
+2%
|
1 105
+3%
|
1 119
+1%
|
1 143
+2%
|
1 193
+4%
|
1 257
+5%
|
1 349
+7%
|
1 445
+7%
|
1 514
+5%
|
1 562
+3%
|
1 595
+2%
|
1 623
+2%
|
1 653
+2%
|
1 658
+0%
|
1 661
+0%
|
1 673
+1%
|
1 700
+2%
|
1 728
+2%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(3)
|
(3)
|
(3)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(3)
|
(3)
|
(4)
|
(4)
|
(6)
|
(8)
|
(11)
|
(13)
|
(19)
|
(26)
|
(43)
|
(48)
|
(45)
|
(38)
|
(21)
|
(18)
|
(16)
|
(14)
|
(15)
|
(12)
|
(12)
|
(13)
|
(12)
|
(14)
|
(12)
|
(11)
|
(11)
|
(12)
|
(12)
|
(11)
|
(14)
|
(14)
|
(17)
|
(22)
|
(21)
|
(21)
|
(19)
|
(15)
|
(16)
|
(19)
|
(24)
|
(27)
|
(28)
|
(29)
|
(28)
|
(29)
|
(32)
|
(66)
|
(64)
|
(66)
|
(63)
|
(29)
|
(26)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(36)
|
(78)
|
(122)
|
(165)
|
(173)
|
(180)
|
(182)
|
(176)
|
(171)
|
(157)
|
(159)
|
(173)
|
|
| Non Interest Expense |
(22)
|
(23)
|
(25)
|
(25)
|
(27)
|
(29)
|
(30)
|
(32)
|
(34)
|
(36)
|
(37)
|
(38)
|
(39)
|
(39)
|
(40)
|
(40)
|
(42)
|
(43)
|
(44)
|
(46)
|
(47)
|
(48)
|
(48)
|
(48)
|
(49)
|
(51)
|
(53)
|
(54)
|
(58)
|
(62)
|
(64)
|
(69)
|
(70)
|
(73)
|
(81)
|
(87)
|
(96)
|
(110)
|
(119)
|
(123)
|
(125)
|
(117)
|
(114)
|
(115)
|
(115)
|
(118)
|
(121)
|
(126)
|
(134)
|
(142)
|
(153)
|
(166)
|
(179)
|
(185)
|
(188)
|
(191)
|
(188)
|
(196)
|
(229)
|
(256)
|
(286)
|
(319)
|
(325)
|
(333)
|
(348)
|
(354)
|
(372)
|
(381)
|
(384)
|
(394)
|
(392)
|
(401)
|
(526)
|
(599)
|
(611)
|
(617)
|
(470)
|
(370)
|
(360)
|
(352)
|
(390)
|
(433)
|
(486)
|
(535)
|
(550)
|
(563)
|
(536)
|
(530)
|
(537)
|
(545)
|
(556)
|
(551)
|
(565)
|
(581)
|
(600)
|
(621)
|
|
| Pre-Tax Income |
15
N/A
|
18
+16%
|
20
+15%
|
23
+13%
|
25
+9%
|
27
+8%
|
29
+8%
|
30
+4%
|
32
+6%
|
34
+6%
|
36
+5%
|
38
+6%
|
40
+5%
|
42
+5%
|
44
+5%
|
45
+4%
|
47
+3%
|
47
+0%
|
47
-1%
|
45
-3%
|
44
-2%
|
45
+1%
|
46
+2%
|
46
+1%
|
46
0%
|
46
0%
|
46
N/A
|
45
-3%
|
47
+5%
|
49
+4%
|
49
-1%
|
56
+15%
|
66
+18%
|
66
+1%
|
85
+27%
|
91
+7%
|
88
-3%
|
153
+73%
|
150
-2%
|
152
+1%
|
157
+4%
|
106
-32%
|
106
+0%
|
111
+5%
|
114
+2%
|
116
+2%
|
125
+8%
|
131
+5%
|
137
+4%
|
146
+6%
|
157
+8%
|
172
+10%
|
197
+14%
|
227
+15%
|
249
+10%
|
277
+11%
|
301
+9%
|
318
+6%
|
367
+15%
|
424
+16%
|
478
+13%
|
536
+12%
|
568
+6%
|
581
+2%
|
591
+2%
|
600
+2%
|
550
-8%
|
554
+1%
|
554
0%
|
545
-1%
|
582
+7%
|
564
-3%
|
434
-23%
|
354
-18%
|
356
+1%
|
376
+6%
|
552
+47%
|
683
+24%
|
715
+5%
|
753
+5%
|
730
-3%
|
710
-3%
|
707
0%
|
722
+2%
|
763
+6%
|
805
+5%
|
857
+6%
|
867
+1%
|
886
+2%
|
899
+1%
|
915
+2%
|
931
+2%
|
925
-1%
|
935
+1%
|
941
+1%
|
934
-1%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(5)
|
(6)
|
(8)
|
(9)
|
(9)
|
(10)
|
(10)
|
(10)
|
(11)
|
(11)
|
(11)
|
(12)
|
(13)
|
(13)
|
(14)
|
(14)
|
(14)
|
(14)
|
(14)
|
(13)
|
(13)
|
(14)
|
(14)
|
(14)
|
(14)
|
(13)
|
(13)
|
(10)
|
(10)
|
(10)
|
(9)
|
(13)
|
(17)
|
(18)
|
(25)
|
(27)
|
(26)
|
(51)
|
(49)
|
(50)
|
(52)
|
(32)
|
(32)
|
(34)
|
(35)
|
(35)
|
(38)
|
(40)
|
(40)
|
(43)
|
(49)
|
(54)
|
(63)
|
(75)
|
(83)
|
(95)
|
(107)
|
(115)
|
(134)
|
(154)
|
(171)
|
(193)
|
(204)
|
(109)
|
(95)
|
(80)
|
(52)
|
(137)
|
(139)
|
(135)
|
(142)
|
(138)
|
(107)
|
(87)
|
(84)
|
(84)
|
(124)
|
(154)
|
(165)
|
(174)
|
(167)
|
(161)
|
(156)
|
(157)
|
(162)
|
(168)
|
(178)
|
(176)
|
(190)
|
(197)
|
(206)
|
(215)
|
(212)
|
(216)
|
(219)
|
(219)
|
|
| Income from Continuing Operations |
10
|
11
|
13
|
14
|
16
|
17
|
19
|
20
|
22
|
23
|
25
|
26
|
27
|
29
|
30
|
32
|
33
|
33
|
33
|
32
|
31
|
31
|
31
|
32
|
32
|
33
|
33
|
35
|
37
|
39
|
40
|
43
|
49
|
49
|
60
|
64
|
63
|
102
|
101
|
101
|
105
|
74
|
74
|
77
|
79
|
80
|
88
|
91
|
97
|
103
|
108
|
119
|
133
|
152
|
166
|
182
|
194
|
204
|
234
|
270
|
308
|
344
|
364
|
472
|
496
|
520
|
498
|
417
|
415
|
410
|
440
|
426
|
327
|
267
|
272
|
292
|
428
|
529
|
550
|
579
|
563
|
549
|
551
|
564
|
601
|
637
|
679
|
691
|
697
|
702
|
709
|
717
|
713
|
718
|
722
|
715
|
|
| Income to Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
0
|
0
|
0
|
(0)
|
(0)
|
(0)
|
(0)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
0
|
|
| Net Income (Common) |
10
N/A
|
11
+12%
|
13
+12%
|
14
+13%
|
16
+10%
|
17
+9%
|
19
+9%
|
20
+7%
|
22
+7%
|
23
+7%
|
25
+6%
|
26
+6%
|
27
+5%
|
29
+5%
|
30
+5%
|
32
+5%
|
33
+4%
|
33
+1%
|
33
0%
|
32
-3%
|
31
-3%
|
31
+1%
|
31
+1%
|
32
+1%
|
32
+1%
|
33
+2%
|
33
+2%
|
35
+4%
|
36
+4%
|
37
+3%
|
36
-2%
|
37
+1%
|
44
+18%
|
45
+3%
|
57
+26%
|
64
+13%
|
63
-2%
|
102
+63%
|
101
-1%
|
101
+1%
|
105
+3%
|
74
-30%
|
74
+1%
|
77
+4%
|
79
+3%
|
80
+2%
|
88
+9%
|
91
+4%
|
97
+6%
|
103
+6%
|
108
+5%
|
119
+10%
|
133
+12%
|
152
+14%
|
166
+9%
|
182
+10%
|
194
+6%
|
204
+5%
|
234
+15%
|
270
+16%
|
308
+14%
|
344
+12%
|
364
+6%
|
422
+16%
|
446
+6%
|
470
+5%
|
448
-5%
|
417
-7%
|
415
-1%
|
410
-1%
|
440
+7%
|
426
-3%
|
327
-23%
|
267
-18%
|
272
+2%
|
292
+7%
|
429
+47%
|
529
+23%
|
550
+4%
|
579
+5%
|
559
-4%
|
541
-3%
|
539
0%
|
548
+2%
|
585
+7%
|
621
+6%
|
662
+7%
|
675
+2%
|
680
+1%
|
686
+1%
|
693
+1%
|
700
+1%
|
697
-1%
|
702
+1%
|
706
+0%
|
699
-1%
|
|
| EPS (Diluted) |
0.17
N/A
|
0.18
+6%
|
0.2
+11%
|
0.23
+15%
|
0.25
+9%
|
0.28
+12%
|
0.3
+7%
|
0.31
+3%
|
0.33
+6%
|
0.34
+3%
|
0.36
+6%
|
0.39
+8%
|
0.4
+3%
|
0.42
+5%
|
0.44
+5%
|
0.47
+7%
|
0.48
+2%
|
0.49
+2%
|
0.49
N/A
|
0.47
-4%
|
0.46
-2%
|
0.46
N/A
|
0.46
N/A
|
0.47
+2%
|
0.47
N/A
|
0.48
+2%
|
0.49
+2%
|
0.51
+4%
|
0.53
+4%
|
0.54
+2%
|
0.53
-2%
|
0.54
+2%
|
0.64
+19%
|
0.66
+3%
|
0.84
+27%
|
0.94
+12%
|
0.92
-2%
|
1.49
+62%
|
1.46
-2%
|
1.47
+1%
|
1.51
+3%
|
1.05
-30%
|
1.06
+1%
|
1.1
+4%
|
1.1
N/A
|
1.07
-3%
|
1.19
+11%
|
1.26
+6%
|
1.31
+4%
|
1.32
+1%
|
1.34
+2%
|
1.52
+13%
|
1.57
+3%
|
1.73
+10%
|
1.87
+8%
|
2.09
+12%
|
2.12
+1%
|
2.23
+5%
|
2.03
-9%
|
2.58
+27%
|
2.52
-2%
|
2.76
+10%
|
2.82
+2%
|
3.35
+19%
|
3.46
+3%
|
3.64
+5%
|
3.48
-4%
|
3.24
-7%
|
3.22
-1%
|
3.19
-1%
|
3.42
+7%
|
3.3
-4%
|
2.54
-23%
|
2.07
-19%
|
2.1
+1%
|
2.26
+8%
|
3.3
+46%
|
4.07
+23%
|
4.23
+4%
|
4.47
+6%
|
4.46
0%
|
4.47
+0%
|
4.52
+1%
|
4.54
+0%
|
4.98
+10%
|
5.43
+9%
|
5.82
+7%
|
5.87
+1%
|
5.97
+2%
|
6.03
+1%
|
6.09
+1%
|
6.14
+1%
|
6.11
0%
|
6.19
+1%
|
6.22
+0%
|
6.18
-1%
|
|