{"id":516650,"date":"2021-07-22T16:04:06","date_gmt":"2021-07-22T20:04:06","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-second-quarter-2021-earnings\/"},"modified":"2021-07-22T16:04:06","modified_gmt":"2021-07-22T20:04:06","slug":"bank-ozk-announces-record-second-quarter-2021-earnings","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-second-quarter-2021-earnings\/","title":{"rendered":"Bank OZK Announces\u00a0Record Second Quarter 2021 Earnings"},"content":{"rendered":"
\n

LITTLE ROCK, Ark., July 22, 2021 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income for the second quarter of 2021 was a record $150.5 million, a 199.5% increase from $50.3 million for the second quarter of 2020. Diluted earnings per common share for the second quarter of 2021 were a record $1.16, a 197.4% increase from $0.39 for the second quarter of 2020.<\/p>\n

For the six months ended June 30, 2021, net income was $299.0 million, a 381.2% increase from $62.1 million for the first six months of 2020. Diluted earnings per common share for the first six months of 2021 were $2.30, a 379.2% increase from $0.48 for the first six months of 2020.<\/p>\n

As a result of improving economic conditions and prospects for improvement in the U.S. economy, management recorded negative provision for credit losses of $30.9 million during the second quarter and $62.5 million during the first six months of 2021, reducing the Bank\u2019s total allowance for credit losses (\u201cACL\u201d) from $377.3 million at December 31, 2020 to $307.6 million at June 30, 2021. The Bank\u2019s provision for credit losses was $72.0 million during the second quarter and $189.7 million during the first six months of 2020, reflecting significant economic uncertainty at that time.<\/p>\n

The Bank\u2019s results for the first six months of 2021 included pretax gains of $4.4 million from the sale of its South Carolina branches and $1.4 million of tax-exempt bank-owned life insurance (\u201cBOLI\u201d) death benefits, both of which were recognized during the first quarter of 2021. The Bank had no gains from branch sales and had $0.6 million of tax-exempt BOLI death benefits during the first six months of 2020.<\/p>\n

Pre-tax pre-provision net revenue (\u201cPPNR\u201d) was $164.8 million for the second quarter of 2021, a 20.1% increase from $137.2 million for the second quarter of 2020. For the six months ended June 30, 2021, PPNR was $325.5 million, a 20.0% increase from $271.3 million for the first six months of 2020. The calculation of PPNR and the reconciliation to generally accepted accounting principles (\u201cGAAP\u201d) are included in the schedules accompanying this release.<\/p>\n

The Bank\u2019s annualized returns on average assets, average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity for the second quarter of 2021 were 2.24%, 13.65% and 16.10%, respectively, compared to 0.78%, 4.92% and 5.89%, respectively, for the second quarter of 2020. The Bank\u2019s annualized returns on average assets, average common stockholder\u2019s equity and average tangible common stockholders\u2019 equity for the first six months of 2021 were 2.23%, 13.81% and 16.33%, respectively, compared to 0.50%, 3.04%, and 3.64%, respectively, for the first six months of 2020. The calculation of the Bank\u2019s return on average tangible common stockholders\u2019 equity and the reconciliation to GAAP are included in the schedules accompanying this release.<\/p>\n

George Gleason, Chairman and Chief Executive Officer stated, \u201cWe are pleased to report record results for the quarter just ended.\u00a0Our strong capital and liquidity, our disciplined credit culture and our exceptional team have us well positioned for the future.\u201d<\/p>\n

\n
\n KEY BALANCE SHEET METRICS<\/u>
\n <\/strong>\n <\/p>\n

Total loans were $18.27 billion at June 30, 2021, a 5.4% decrease from $19.31 billion at June 30, 2020. Non-purchased loans were $17.61 billion at June 30, 2021, a 3.5% decrease from $18.25 billion at June 30, 2020. Purchased loans, which consist of loans acquired in previous acquisitions, were $0.66 billion at June 30, 2021, a 38.0% decrease from $1.06 billion at June 30, 2020.<\/p>\n

Deposits were $20.71 billion at June 30, 2021, a 0.1% decrease from $20.72 billion at June 30, 2020. Total assets were $26.61 billion at June 30, 2021, a 0.9% increase from $26.38 billion at June 30, 2020, but a 2.5% decrease from $27.28 billion at March 31, 2021.<\/p>\n

Common stockholders\u2019 equity was $4.50 billion at June 30, 2021, a 9.5% increase from $4.11 billion at June 30, 2020. Tangible common stockholders\u2019 equity was $3.83 billion at June 30, 2021, an 11.6% increase from $3.43 billion at June 30, 2020. Book value per common share was $34.70 at June 30, 2021, a 9.2% increase from $31.78 at June 30, 2020. Tangible book value per common share was $29.52 at June 30, 2021, an 11.3% increase from $26.53 at June 30, 2020. The calculations of the Bank\u2019s tangible common stockholders\u2019 equity and tangible book value per common share and the reconciliations to GAAP are included in the schedules accompanying this release.<\/p>\n

The Bank\u2019s ratio of total common stockholders\u2019 equity to total assets was 16.92% at June 30, 2021 compared to 15.58% at June 30, 2020. Its ratio of total tangible common stockholders\u2019 equity to total tangible assets was 14.77% at June 30, 2021 compared to 13.35% at June 30, 2020. The calculation of the Bank\u2019s ratio of total tangible common stockholders\u2019 equity to total tangible assets and the reconciliation to GAAP are included in the schedules accompanying this release.<\/p>\n

\n
\n AUTHORIZATION OF STOCK REPURCHASE PROGRAM<\/u>
\n <\/strong>\n <\/p>\n

In July 2021, the Bank\u2019s Board of Directors authorized a stock repurchase program pursuant to which the Bank may repurchase up to $300 million of its outstanding common stock. The Bank has received regulatory approval of the repurchase program, and the timing and amount of repurchases will be determined by management based on a variety of factors such as the Bank\u2019s capital position, liquidity, financial performance and alternative uses of capital, stock price, regulatory requirements and general market and economic conditions. The repurchase program will expire on July 1, 2022, unless extended or shortened by the Board of Directors, and may be suspended by the Bank at any time.<\/p>\n

\n
\n SUBORDINATED DEBT REDEMPTION<\/u>
\n <\/strong>\n <\/p>\n

On July 1, 2021, the Bank redeemed all of its $225 million of fixed-to-floating rate subordinated notes at a redemption price equal to 100% of the principal amount of the subordinated notes plus accrued and unpaid interest. As of June 30, 2021, the Bank\u2019s subordinated debt had a carrying value of $224.2 million and remaining unamortized debt issuance cost of $0.8 million.<\/p>\n

\n
\n MANAGEMENT\u2019S COMMENTS, CONFERENCE CALL, TRANSCRIPT AND FILINGS <\/u>
\n <\/strong>\n <\/p>\n

In connection with this release, the Bank released management\u2019s comments on its quarterly results, which are available at http:\/\/ir.ozk.com<\/a>. This release should be read in conjunction with management\u2019s comments on the quarterly results.<\/p>\n

Management will conduct a conference call to take questions on these quarterly results and management\u2019s comments at 10:00 a.m. CT (11:00 a.m. ET) on July 23, 2021. Interested parties may listen to this call by dialing 1-844-818-5110 (U.S. and Canada) or 210-229-8841 (internationally) and asking for the Bank OZK conference call. A recorded playback of the call will be available for one week following the call at 1-855-859-2056 (U.S. and Canada) or 404-537-3406 (internationally). The conference ID for this playback is 3462545. The call will be available live or in a recorded version on the Bank\u2019s Investor Relations website at ir.ozk.com<\/a> under \u201cCompany News\/Webcasts.\u201d The Bank will also provide a transcript of the conference call on its Investor Relations website.<\/p>\n

The Bank files annual, quarterly and current reports, proxy materials and other information required by the Securities Exchange Act of 1934 with the Federal Deposit Insurance Corporation (\u201cFDIC\u201d), copies of which are available electronically at the FDIC\u2019s website at https:\/\/efr.fdic.gov\/fcxweb\/efr\/index.html<\/a> and are also available on the Bank\u2019s Investor Relations website at http:\/\/ir.ozk.com<\/a>. To receive automated email alerts for these materials, please visit http:\/\/ir.ozk.com\/EmailNotification<\/a> to sign up.<\/p>\n

\n
\n NON-GAAP FINANCIAL MEASURES<\/u>
\n <\/strong>\n <\/p>\n

This release contains certain non-GAAP financial measures.\u00a0The Bank uses these non-GAAP financial measures, specifically return on average tangible common stockholders\u2019 equity, tangible book value per common share, total tangible common stockholders\u2019 equity, the ratio of total tangible common stockholders\u2019 equity to total tangible assets and PPNR, to assess the strength of its capital, its ability to generate earnings on tangible capital invested by its shareholders and trends in its net revenue. These measures typically adjust GAAP financial measures to exclude intangible assets or provision for credit losses. Management believes presentation of these non-GAAP financial measures provides useful supplemental information which contributes to a proper understanding of the financial results and capital levels of the Bank. These non-GAAP disclosures should not be viewed as a substitute for financial results determined in accordance with GAAP, and they are not necessarily comparable to non-GAAP performance measures that may be presented by other banks. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are included in the tables at the end of this release under the caption \u201cReconciliation of Non-GAAP Financial Measures.\u201d<\/p>\n

\n
\n FORWARD-LOOKING STATEMENTS<\/u>
\n <\/strong>\n <\/p>\n

This release and other communications by the Bank include certain \u201cforward-looking statements\u201d regarding the Bank\u2019s plans, expectations, thoughts, beliefs, estimates, goals and outlook for the future that are intended to be covered by the Private Securities Litigation Reform Act of 1995.\u00a0Forward-looking statements are based on management\u2019s expectations as well as certain assumptions and estimates made by, and information available to, management at the time. Those statements are not guarantees of future results or performance and are subject to certain known and unknown risks, uncertainties and other factors that may cause actual results to differ materially from those expressed in, or implied by, such forward-looking statements.\u00a0These risks, uncertainties and other factors include, but are not limited to: potential delays or other problems implementing the Bank\u2019s growth, expansion and acquisition strategies, including delays in identifying satisfactory sites, hiring or retaining qualified personnel, obtaining regulatory or other approvals, obtaining permits and designing, constructing and opening new offices or relocating, selling or closing existing offices; the ability to enter into and\/or close additional acquisitions; the availability of and access to capital; possible downgrades in the Bank\u2019s credit ratings or outlook which could increase the costs of or decrease the availability of funding from capital markets; the ability to attract new or retain existing or acquired deposits or to retain or grow loans, including growth from unfunded closed loans; the ability to generate future revenue growth or to control future growth in non-interest expense; interest rate fluctuations, including changes in the yield curve between short-term and long-term interest rates or changes in the relative relationships of various interest rate indices; the potential impact of the phase-out of the London Interbank Offered Rate (\u201cLIBOR\u201d) or other changes involving LIBOR; competitive factors and pricing pressures, including their effect on the Bank\u2019s net interest margin or core spread; general economic, unemployment, credit market and real estate market conditions, and the effect of such conditions on the creditworthiness of borrowers, collateral values, the value of investment securities and asset recovery values; changes in legal, financial and\/or regulatory requirements; recently enacted and potential legislation and regulatory actions and the costs and expenses to comply with new and\/or existing legislation and regulatory actions, including those in response to the COVID-19 pandemic such as the Coronavirus Aid, Relief and Economic Security Act, the Consolidated Appropriations Act of 2021, the American Rescue Plan Act of 2021, and any similar or related laws, rules and regulations; changes in U.S. government monetary and fiscal policy; FDIC special assessments or changes to regular assessments; the ability to keep pace with technological changes, including changes regarding maintaining cybersecurity; the impact of failure in, or breach of, the Bank\u2019s operational or security systems or infrastructure, or those of third parties with whom it does business, including as a result of cyber-attacks or an increase in the incidence or severity of fraud, illegal payments, security breaches or other illegal acts impacting the Bank or its customers; natural disasters or acts of war or terrorism; the adverse effects of the COVID-19 pandemic, including the duration of the pandemic and actions taken to contain or treat COVID-19, on the Bank, the Bank\u2019s customers, the Bank\u2019s staff, the global economy and financial markets; national, international or political instability; impairment of the Bank\u2019s goodwill or other intangible assets; adoption of new accounting standards, or changes in existing standards; and adverse results (including costs, fines, reputational harm and\/or other negative effects) from current or future litigation, regulatory examinations or other legal and\/or regulatory actions or rulings as well as other factors identified in this press release or as detailed from time to time in the other public reports the Bank files with the FDIC, including those factors described in the disclosures under the headings \u201cForward-Looking Information\u201d and \u201cItem 1A. Risk Factors\u201d in the Bank\u2019s most recent Annual Report on Form 10-K for the year ended December 31, 2020 and its quarterly reports on Form 10-Q. Should one or more of the foregoing risks materialize, or should underlying assumptions prove incorrect, actual results or outcomes may vary materially from those projected in, or implied by, such forward-looking statements. The Bank disclaims any obligation to update or revise any forward-looking statements based on the occurrence of future events, the receipt of new information or otherwise.<\/p>\n

\n
\n GENERAL INFORMATION<\/u>
\n <\/strong>\n <\/p>\n

Bank OZK (Nasdaq: OZK) is a regional bank providing innovative financial solutions delivered by expert bankers with a relentless pursuit of excellence. Headquartered in Little Rock, Arkansas, Bank OZK conducts operations through 250 branches, loan production offices and other offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. Bank OZK can be found at www.ozk.com<\/a> and on Facebook<\/u><\/a>, Twitter<\/u><\/a> and LinkedIn<\/u><\/a> or contacted at (501) 978-2265 or P. O. Box 8811, Little Rock, Arkansas 72231-8811.\u00a0<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Balance Sheets<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n ASSETS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cash and cash equivalents<\/td>\n\u00a0<\/td>\n$<\/td>\n1,424,249<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,393,662<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2015 available for sale (“AFS”)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,693,396<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,405,351<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal Home Loan Bank of Dallas and other bankers’ bank stocks<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,609<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,486<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,611,848<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,401,495<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n659,822<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n807,673<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(248,753<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(295,824<\/td>\n)<\/td>\n<\/tr>\n
Net loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,022,917<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,913,344<\/td>\n\u00a0<\/td>\n<\/tr>\n
Premises and equipment, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n729,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n738,842<\/td>\n\u00a0<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,542<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,085<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accrued interest receivable<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93,693<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88,077<\/td>\n\u00a0<\/td>\n<\/tr>\n
Bank owned life insurance (\u201cBOLI\u201d)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n766,362<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n758,071<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n672,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n675,458<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n155,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n140,220<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n26,605,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,162,596<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n LIABILITIES AND STOCKHOLDERS\u2019 EQUITY<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Demand non-interest bearing<\/td>\n\u00a0<\/td>\n$<\/td>\n4,510,678<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,996,546<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and interest bearing transaction<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,835,674<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,160,982<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,360,425<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,292,828<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,706,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,450,356<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase agreements with customers<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,449<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,013<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,928<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,047<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,475<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n81,481<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accrued interest payable and other liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n231,892<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n251,940<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,101,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,887,240<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commitments and contingencies<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stockholders\u2019 equity:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock; $0.01 par value; 100,000,000 shares authorized; no shares issued or outstanding at June 30, 2021 or December 31, 2020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock; $0.01 par value; 300,000,000 shares authorized; 129,720,140 and 129,350,448 shares issued and outstanding at June 30, 2021 and December 31, 2020, respectively<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,294<\/td>\n\u00a0<\/td>\n<\/tr>\n
Additional paid-in capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,277,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,265,850<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retained earnings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,173,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,946,875<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accumulated other comprehensive income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,252<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,501,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,272,271<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,085<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,504,793<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,275,356<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n26,605,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,162,596<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Income<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n$<\/td>\n238,554<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n232,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n478,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n464,669<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n11,699<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,087<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,474<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Taxable<\/td>\n\u00a0<\/td>\n9,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,055<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,550<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,814<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-exempt<\/td>\n\u00a0<\/td>\n3,883<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,846<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,563<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,443<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits with banks and federal funds sold<\/td>\n\u00a0<\/td>\n496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,033<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,706<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest income<\/td>\n\u00a0<\/td>\n264,099<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n267,134<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n528,162<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n539,106<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n18,231<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,251<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,582<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n102,933<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase agreements with customers<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n996<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n963<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,982<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,013<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n3,181<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,172<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,326<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,344<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,149<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,881<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,436<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n23,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,541<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n112,739<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n240,746<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n216,593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n475,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n426,367<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n(30,932<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,026<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(62,491<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189,689<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for credit losses<\/td>\n\u00a0<\/td>\n271,678<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n144,567<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n537,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n236,678<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Service charges on deposit accounts<\/td>\n\u00a0<\/td>\n10,311<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,281<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,976<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,290<\/td>\n\u00a0<\/td>\n<\/tr>\n
Trust income<\/td>\n\u00a0<\/td>\n1,911<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,118<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,698<\/td>\n\u00a0<\/td>\n<\/tr>\n
BOLI income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Increase in cash surrender value<\/td>\n\u00a0<\/td>\n4,919<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,057<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,799<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,124<\/td>\n\u00a0<\/td>\n<\/tr>\n
Death benefits<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n608<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan service, maintenance and other fees<\/td>\n\u00a0<\/td>\n3,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,504<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,110<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gains on sales of other assets<\/td>\n\u00a0<\/td>\n2,341<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,169<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n783<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net gains on investment securities<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,223<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n4,307<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,884<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,435<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest income<\/td>\n\u00a0<\/td>\n27,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59,859<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,271<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n52,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n48,410<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n105,764<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n99,883<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy and equipment<\/td>\n\u00a0<\/td>\n16,168<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,756<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,636<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,086<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other operating expenses<\/td>\n\u00a0<\/td>\n35,424<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,787<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n71,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n73,409<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n103,711<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n209,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n204,378<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income before taxes<\/td>\n\u00a0<\/td>\n195,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n65,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n387,960<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n81,571<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n45,161<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,948<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,456<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n150,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,257<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n298,982<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,115<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n(13<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(32<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n$<\/td>\n150,535<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n298,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,132<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n$<\/td>\n1.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.39<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2.31<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.48<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n1.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.39<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.48<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Stockholders\u2019 Equity<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Common<\/strong>
\n
\n Stock<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Additional<\/strong>
\n
\n Paid-In<\/strong>
\n
\n Capital<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Retained<\/strong>
\n
\n Earnings<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Accumulated<\/strong>
\n
\n Other<\/strong>
\n
\n Comprehensive<\/strong>
\n
\n Income<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Non-<\/strong>
\n
\n Controlling<\/strong>
\n
\n Interest<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Total<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Three months ended June 30, 2021:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2021<\/td>\n\u00a0<\/td>\n$<\/td>\n1,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,272,046<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,059,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,464<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,104<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,386,309<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n150,548<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n150,548<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive loss<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(337<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(337<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $0.28 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(36,819<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(36,819<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 14,300 shares of common stock for exercise of stock options<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n515<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n515<\/td>\n\u00a0<\/td>\n<\/tr>\n
Issuance of 20,328 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase and cancellation of 153 shares of common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6<\/td>\n)<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,583<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,583<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 33,241 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2021<\/td>\n\u00a0<\/td>\n$<\/td>\n1,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,277,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,173,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,504,793<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Six months ended June 30, 2021:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n1,294<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,265,850<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,946,875<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n58,252<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,085<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,275,356<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n298,982<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n298,982<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(32<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive loss<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,125<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,125<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $0.5575 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(72,711<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(72,711<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 142,400 shares of common stock for exercise of stock options<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,007<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,008<\/td>\n\u00a0<\/td>\n<\/tr>\n
Issuance of 332,831 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase and cancellation of 55,893 shares of common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,976<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,977<\/td>\n)<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,260<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,260<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 49,646 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2021<\/td>\n\u00a0<\/td>\n$<\/td>\n1,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,277,138<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,173,114<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,504,793<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Stockholders\u2019 Equity<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Common<\/strong>
\n
\n Stock<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Additional<\/strong>
\n
\n Paid-In<\/strong>
\n
\n Capital<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Retained<\/strong>
\n
\n Earnings<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Accumulated<\/strong>
\n
\n Other<\/strong>
\n
\n Comprehensive<\/strong>
\n
\n Income (Loss)<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Non-<\/strong>
\n
\n Controlling<\/strong>
\n
\n Interest<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Total<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Three months ended June 30, 2020:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n1,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,253,991<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,772,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,888<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,086,259<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,257<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,257<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,289<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,289<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock dividends, $0.27 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(34,915<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(34,915<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 46,676 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,876<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,876<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 20,810 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n1,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,257,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,788,329<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n63,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,100<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,113,766<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Six months ended June 30, 2020:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2019<\/td>\n\u00a0<\/td>\n$<\/td>\n1,289<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,251,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,869,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,153,468<\/td>\n\u00a0<\/td>\n<\/tr>\n
Cumulative effect of change in accounting principle<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(75,344<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(75,344<\/td>\n)<\/td>\n<\/tr>\n
Balances \u2013 January 1, 2020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,289<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,251,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,794,639<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,078,124<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,115<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,115<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(17<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total other comprehensive income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,922<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,922<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock dividends, $0.53 per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(68,442<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(68,442<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 4,300 shares of common stock for exercise of stock options<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45<\/td>\n\u00a0<\/td>\n<\/tr>\n
Issuance of 493,761 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase and cancellation of 61,873 shares of common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,852<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,853<\/td>\n)<\/td>\n<\/tr>\n
Stock-based compensation expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,855<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,855<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 36,911 shares of unvested restricted common stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n1,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,257,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,788,329<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n63,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,100<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,113,766<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Summary of Non-Interest Expense<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n June 30,<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended<\/strong>
\n
\n June 30,<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n$<\/td>\n52,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n48,410<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n105,764<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n99,883<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,168<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,756<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,636<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,086<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other operating expenses:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional and outside services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,724<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,629<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,050<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,393<\/td>\n\u00a0<\/td>\n<\/tr>\n
Software and data processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,145<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,798<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,119<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposit insurance and assessments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,885<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,585<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,005<\/td>\n\u00a0<\/td>\n<\/tr>\n
Telecommunication services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,165<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,334<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,397<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,511<\/td>\n\u00a0<\/td>\n<\/tr>\n
Postage and supplies<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,544<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,892<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,188<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,945<\/td>\n\u00a0<\/td>\n<\/tr>\n
ATM expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,486<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,002<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,769<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,162<\/td>\n\u00a0<\/td>\n<\/tr>\n
Travel and meals<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,419<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n710<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,194<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,812<\/td>\n\u00a0<\/td>\n<\/tr>\n
Writedowns of foreclosed and other assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,486<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,599<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan collection and repossession expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n540<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n857<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,050<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,551<\/td>\n\u00a0<\/td>\n<\/tr>\n
Advertising and public relations<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,704<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n902<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,407<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,602<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,582<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,332<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,377<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of CRA and tax credit investments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,107<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,352<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,847<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,520<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12,448<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,681<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n$<\/td>\n103,711<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n100,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n209,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n204,378<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Summary of Total Loans Outstanding<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31, 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Real estate:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Residential 1-4 family<\/td>\n\u00a0<\/td>\n$<\/td>\n894,404<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.9<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n911,115<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.7<\/td>\n%<\/td>\n<\/tr>\n
Non-farm\/non-residential<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,415,246<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,213,636<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Construction\/land development<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,289,254<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39.9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,046,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41.9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Agricultural<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n226,345<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n204,868<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Multifamily residential<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,065,123<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n856,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total real estate<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,890,372<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n76.0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,232,894<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial and industrial<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n651,019<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n842,206<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,220,660<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,393,964<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,509,619<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,740,104<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,271,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,209,168<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(248,753<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(295,824<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loans<\/td>\n\u00a0<\/td>\n$<\/td>\n18,022,917<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n18,913,344<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Allowance for Credit Losses<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Allowance for
Loan Losses<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Reserve for
Losses on
Unfunded
Loan
Commitments<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Total Allowance
for Credit
Losses<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Three months ended June 30, 2021:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2021<\/td>\n\u00a0<\/td>\n$<\/td>\n268,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n74,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n342,307<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,811<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,811<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(15,513<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(15,419<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(30,932<\/td>\n)<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2021<\/td>\n\u00a0<\/td>\n$<\/td>\n248,753<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n58,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n307,564<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Six months ended June 30, 2021:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n295,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n81,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n377,305<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,250<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,250<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(39,821<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(22,670<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(62,491<\/td>\n)<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2021<\/td>\n\u00a0<\/td>\n$<\/td>\n248,753<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n58,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n307,564<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Three months ended June 30, 2020:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n238,737<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n77,672<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n316,409<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13,941<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13,941<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n81,400<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9,374<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,026<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n306,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n68,298<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n374,494<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Six months ended June 30, 2020:<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 December 31, 2019<\/td>\n\u00a0<\/td>\n$<\/td>\n108,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n108,525<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adoption of CECL methodology<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,588<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,924<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94,512<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 January 1, 2020<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n148,113<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,924<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n203,037<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18,232<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18,232<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n176,315<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,374<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189,689<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 June 30, 2020<\/td>\n\u00a0<\/td>\n$<\/td>\n306,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n68,298<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n374,494<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Summary of Deposits \u2013 By Account Type<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31, 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest bearing<\/td>\n\u00a0<\/td>\n$<\/td>\n4,510,678<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.8<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n3,996,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18.6<\/td>\n%<\/td>\n<\/tr>\n
Interest bearing:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Transaction (NOW)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,252,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,124,007<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and money market<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,583,280<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27.0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,036,975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time deposits less than $100<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,173,883<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,075,845<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time deposits of $100 or more<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,186,542<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25.0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,216,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n$<\/td>\n20,706,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n21,450,356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Summary of Deposits \u2013 By Customer Type<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31, 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer<\/td>\n\u00a0<\/td>\n$<\/td>\n10,679,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51.6<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n11,165,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52.1<\/td>\n%<\/td>\n<\/tr>\n
Commercial<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,566,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,056,536<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Public Funds<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,082,988<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,111,971<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Brokered<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n914,907<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.4<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,600,116<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reciprocal<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n463,326<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n516,130<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n$<\/td>\n20,706,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n21,450,356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Selected Consolidated Financial Data<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n June 30,<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended<\/strong>
\n
\n June 30,<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Income statement data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n240,746<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n216,593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.2<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n475,381<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n426,367<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.5<\/td>\n%<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(30,932<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,026<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(142.9<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(62,491<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189,689<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(132.9<\/td>\n)<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n59,859<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n49,271<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n103,711<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n209,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n204,378<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n150,535<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n199.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n298,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,132<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n381.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n164,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137,231<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20.1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n325,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n271,260<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Common share and per common share data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income per share \u2212 diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n1.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.39<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197.4<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n2.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n379.2<\/td>\n%<\/td>\n<\/tr>\n
Net income per share \u2212 basic<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.39<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197.4<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.31<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n381.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Dividends per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.28<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.27<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.5575<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34.70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31.78<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34.70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31.78<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per share(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted-average diluted shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n130,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n130,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,349<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
End of period shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,350<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,350<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Balance sheet data at period end:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n26,605,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,380,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.9<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n26,605,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,380,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.9<\/td>\n%<\/td>\n<\/tr>\n
Total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,271,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,311,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5.4<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,271,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,311,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5.4<\/td>\n)<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,611,848<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,247,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3.5<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,611,848<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,247,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3.5<\/td>\n)<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n659,822<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,063,647<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(38.0<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n659,822<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,063,647<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(38.0<\/td>\n)<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n248,753<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n306,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18.8<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n248,753<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n306,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18.8<\/td>\n)<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,542<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(58.8<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,542<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,328<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(58.8<\/td>\n)<\/td>\n<\/tr>\n
Investment securities \u2212 AFS<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,693,396<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,299,944<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,693,396<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,299,944<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n672,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679,166<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1.0<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n672,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n679,166<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1.0<\/td>\n)<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,706,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,723,598<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.1<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,706,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,723,598<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.1<\/td>\n)<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n903,696<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(17.0<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n903,696<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(17.0<\/td>\n)<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n223,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n223,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,194<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,194<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unfunded balance of closed loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,709,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,411,441<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,709,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,411,441<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n68,298<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13.9<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n68,298<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13.9<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,501,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,110,666<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,501,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,110,666<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net unrealized gains on investment securities AFS included in common stockholders’ equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan (including purchased loans) to deposit ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93.18<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected ratios:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average assets(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.78<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.50<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average common stockholders\u2019 equity(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.04<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible common stockholders\u2019 equity(1) (2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.89<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.64<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average common equity to total average assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.93<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.95<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.74<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.91<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.84<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39.00<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.71<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average non-purchased loans(2) (3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.05<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average total loans(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.29<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.20<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming loans to total loans(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets to total assets(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to total loans(5)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Other information:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-accrual loans(4)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n38,195<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n31,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n38,195<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n31,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accruing loans \u2212 90 days past due(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Troubled and restructured non-purchased loans \u2212 accruing(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,365<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n934<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,365<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n934<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n (1) <\/sup>Calculations of pre-tax pre-provision net revenue, tangible book value per common share and return on average tangible common stockholders\u2019 equity and the reconciliations to GAAP are included in the schedules accompanying this release.
(2) <\/sup>Ratios for interim periods annualized based on actual days.
(3) <\/sup>Excludes purchased loans and net charge-offs related to such loans.
(4) <\/sup>Excludes purchased loans, except for their inclusion in total assets.
(5)<\/sup> Excludes reserve for losses on unfunded loan commitments.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Selected Consolidated Financial Data (continued)<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n % Change<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Income statement data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n240,746<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n234,636<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.6<\/td>\n%<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(30,932<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(31,559<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.0<\/td>\n)<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13.6<\/td>\n)<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n103,711<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n106,059<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.2<\/td>\n)<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n150,535<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n148,416<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n164,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n160,694<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Common share and per common share data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income per share \u2212 diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n1.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.8<\/td>\n%<\/td>\n<\/tr>\n
Net income per share \u2212 basic<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Dividends per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.28<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.2775<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n34.70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.79<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per share(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28.60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted-average diluted shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n130,255<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
End of period shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,719<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Balance sheet data at period end:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n26,605,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,276,892<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.5<\/td>\n)%<\/td>\n<\/tr>\n
Total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,271,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,715,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.4<\/td>\n)<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,611,848<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,979,435<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.0<\/td>\n)<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n659,822<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n735,630<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(10.3<\/td>\n)<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n248,753<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n268,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7.2<\/td>\n)<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,542<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,436<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(10.6<\/td>\n)<\/td>\n<\/tr>\n
Investment securities \u2212 AFS<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,693,396<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,162,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n672,125<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n673,728<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.2<\/td>\n)<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,706,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,296,442<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.8<\/td>\n)<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,228<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.1<\/td>\n)<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,236<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,141<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unfunded balance of closed loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,709,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,780,099<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.6<\/td>\n)<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,811<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(20.8<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,501,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,383,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net unrealized gains on investment securities AFS included in common stockholders’ equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,127<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,464<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan (including purchased loans) to deposit ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n88.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n87.88<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected ratios:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average assets(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.23<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average common stockholders\u2019 equity(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.65<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.97<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average tangible common stockholders\u2019 equity(1) (2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average common equity to total average assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.93<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.95<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.86<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39.57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average non-purchased loans(2) (3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average total loans(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming loans to total loans(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets to total assets(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to total loans(5)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.36<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Other information:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-accrual loans(4)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n38,195<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,059<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accruing loans \u2212 90 days past due(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Troubled and restructured non-purchased loans \u2212 accruing(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,365<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,380<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n (1)\u00a0\u00a0<\/sup>Calculations of pre-tax pre-provision net revenue, tangible book value per common share and return on average tangible common stockholders\u2019 equity and the reconciliations to GAAP are included in the schedules accompanying this release.
(2)\u00a0\u00a0<\/sup>Ratios for interim periods annualized based on actual days.
(3)\u00a0\u00a0<\/sup>Excludes purchased loans and net charge-offs related to such loans.
(4)\u00a0\u00a0<\/sup>Excludes purchased loans, except for their inclusion in total assets.
(5)\u00a0\u00a0<\/sup>Excludes reserve for losses on unfunded loan commitments.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Supplemental Quarterly Financial Data<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/19<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/19<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/21<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/21<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Earnings Summary:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n218,780<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n214,977<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n209,775<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n216,593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n224,657<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n237,600<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n234,636<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n240,746<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal tax (FTE) adjustment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,038<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,028<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,133<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,753<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,605<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,533<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,275<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,355<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income (FTE)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n219,818<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n216,005<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n210,908<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n218,346<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n226,262<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n239,133<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n235,911<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n242,101<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,854<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,938<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(117,663<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(72,026<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,200<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,750<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,559<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,932<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,680<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28,661<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,742<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(100,914<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(104,406<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(103,425<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(100,953<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(105,641<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(103,394<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(106,059<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(103,711<\/td>\n)<\/td>\n<\/tr>\n
Pretax income (FTE)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137,496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n137,067<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,958<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n140,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n157,650<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n193,528<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n197,064<\/td>\n\u00a0<\/td>\n<\/tr>\n
FTE adjustment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,038<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,028<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,133<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,753<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,605<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,533<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,275<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,355<\/td>\n)<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(32,574<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(35,240<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,509<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(14,948<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(29,251<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(35,607<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(43,818<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(45,161<\/td>\n)<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(19<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13<\/td>\n)<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n$<\/td>\n103,891<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n100,806<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n11,866<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n109,253<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n120,513<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n148,416<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n150,535<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings per common share \u2013 diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n0.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.78<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.39<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.84<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n0.93<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.16<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Non-interest Income:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Service charges on deposit accounts<\/td>\n\u00a0<\/td>\n$<\/td>\n10,827<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n10,933<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n10,009<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n8,281<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,427<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n9,665<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n10,311<\/td>\n\u00a0<\/td>\n<\/tr>\n
Trust income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,010<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,759<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,936<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,909<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,206<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,911<\/td>\n\u00a0<\/td>\n<\/tr>\n
BOLI income:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Increase in cash surrender value<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,208<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,167<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,067<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,057<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,081<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,034<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,881<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,919<\/td>\n\u00a0<\/td>\n<\/tr>\n
Death benefits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n206<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,989<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n608<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan service, maintenance and other fees<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,197<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,282<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,716<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,351<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,797<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,953<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gains on sales of other assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n161<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n891<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,828<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,341<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net gains on investment securities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,223<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,244<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,844<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,667<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,957<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,746<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,749<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,577<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,307<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n26,446<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n30,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,680<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n21,591<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n28,661<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n32,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,742<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Non-interest Expense:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n$<\/td>\n48,376<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,050<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n51,473<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n48,410<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n53,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n53,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n53,645<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n52,119<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,825<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,855<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,756<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,617<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,468<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,168<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other operating expenses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37,501<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,622<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,787<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,846<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33,945<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,946<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,424<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n$<\/td>\n100,914<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n104,406<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n103,425<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n100,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n105,641<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n103,394<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n106,059<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n103,711<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Balance Sheet Data:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n23,402,679<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n23,555,728<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24,565,810<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,380,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,888,308<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,162,596<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,276,892<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,605,938<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,307,621<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,224,539<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,030,378<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,247,431<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,419,958<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,401,495<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,979,435<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,611,848<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,427,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,307,504<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,197,826<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,063,647<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n938,485<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n807,673<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n735,630<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n659,822<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2013 AFS<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,414,722<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,277,389<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,816,556<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,299,944<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,468,243<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,405,351<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,162,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,693,396<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,440,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,474,259<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,809,190<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,723,598<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,287,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,450,356<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,296,442<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,706,777<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unfunded balance of closed loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,429,918<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,325,598<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,334,737<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,411,441<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,604,614<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,847,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,780,099<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,709,818<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stockholders’ equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,078,324<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,150,351<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,083,150<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,110,666<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,186,285<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,272,271<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,383,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,501,676<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Supplemental Quarterly Financial Data (Continued)<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/19<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/19<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/20<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/21<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/21<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Allowance for Credit Losses:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balance at beginning of period<\/td>\n\u00a0<\/td>\n$<\/td>\n106,642<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n109,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n108,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n316,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n374,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n377,273<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n377,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n342,307<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adoption of CECL(1)<\/sup> methodology<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n94,512<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,495<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,414<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,291<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13,941<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,421<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,718<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,439<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,811<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,854<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n117,663<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,026<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,200<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(31,559<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(30,932<\/td>\n)<\/td>\n<\/tr>\n
Balance at end of period<\/td>\n\u00a0<\/td>\n$<\/td>\n109,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n108,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n316,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n374,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n377,273<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n377,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n342,307<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n307,564<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n$<\/td>\n109,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n108,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n238,737<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n306,196<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n308,847<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n295,824<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n268,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n248,753<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n77,672<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n68,298<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n68,426<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n81,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n74,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n58,811<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total allowance for credit losses<\/td>\n\u00a0<\/td>\n$<\/td>\n109,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n108,525<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n316,409<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n374,494<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n377,273<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n377,305<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n342,307<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n307,564<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected Ratios:<\/u>
\n <\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.26<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.15<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.96<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.74<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.69<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.88<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.86<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.95<\/td>\n%<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40.98<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.37<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n43.35<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n41.77<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.61<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39.57<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.43<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average non-purchased loans(2) (3)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.05<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average total loans(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.29<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming loans to total loans(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.25<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets to total assets(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.26<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.17<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to total loans (5)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.61<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.62<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.31<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.60<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.36<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loans past due 30 days or more, including past due non-accrual loans, to total loans(4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.10<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

(1)\u00a0\u00a0Current Expected Credit Loss.
(2)\u00a0\u00a0Ratios for interim periods annualized based on actual days.
(3)\u00a0\u00a0Excludes purchased loans and net charge-offs related to such loans.
(4)\u00a0\u00a0Excludes purchased loans, except for their inclusion in total assets.
(5)\u00a0\u00a0Excludes reserve for losses on unfunded loan commitments.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Bank OZK<\/strong>
\n
\n Average Consolidated Balance Sheets and Net Interest Analysis \u2013 FTE<\/strong>
\n
Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Yield\/<\/strong>
\n
\n Rate<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Yield\/<\/strong>
\n
\n Rate<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Yield\/<\/strong>
\n
\n Rate<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Average<\/strong>
\n
\n Balance<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Income\/<\/strong>
\n
\n Expense<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n Yield\/<\/strong>
\n
\n Rate<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n ASSETS<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earning assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest earning deposits and federal funds sold<\/td>\n\u00a0<\/td>\n$<\/td>\n1,886,166<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n496<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.11<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n1,303,791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.10<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n2,048,521<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,033<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.10<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n1,335,544<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,706<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.71<\/td>\n%<\/td>\n<\/tr>\n
Investment securities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Taxable<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,508,655<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,467<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,923,362<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,055<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.31<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,968,393<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,550<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,859,711<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,814<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.36<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-exempt \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n963,522<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,915<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.05<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,151,492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,400<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.58<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,065,110<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,574<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n818,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.94<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,544,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n238,877<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.46<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,963,230<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n233,015<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,864,558<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n479,001<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.41<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,244,750<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n465,046<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.42<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n697,136<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,699<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.73<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,133,611<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,087<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.06<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n736,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.47<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,199,512<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38,474<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.45<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total earning assets \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,599,884<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n265,454<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,475,486<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n268,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.61<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,682,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n530,793<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,458,294<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n541,993<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.85<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest earning assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,345,169<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,318,334<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,312,504<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,335,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n26,945,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,793,820<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,995,485<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24,794,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n LIABILITIES AND STOCKHOLDERS\u2019 EQUITY<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Interest bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and interest bearing transaction<\/td>\n\u00a0<\/td>\n$<\/td>\n8,735,178<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,338<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.15<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n7,517,260<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,702<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.41<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n8,537,681<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n6,954<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n7,824,330<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,449<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.71<\/td>\n%<\/td>\n<\/tr>\n
Time deposits of $100 or more<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,592,645<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,317<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.74<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,279,716<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,765<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.81<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,842,740<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,229<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.84<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,834,026<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,955<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.91<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other time deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,407,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,576<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.76<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,752,793<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,784<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,652,713<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,399<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,543,161<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.68<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,735,392<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,231<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.44<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,549,769<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,251<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,033,134<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,582<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,201,517<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n102,933<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.28<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase agreements with customers<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,161<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,087<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,484<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,985<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.31<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,274<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n996<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,043,004<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n963<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.37<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n750,329<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,982<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n669,987<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,013<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,188<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,181<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n223,793<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,172<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n224,140<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,326<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.69<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n223,752<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,344<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.70<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures(1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,680<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n939<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,120<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,149<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.85<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,610<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,881<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n120,052<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,436<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.08<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest bearing liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,837,695<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,944,773<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n50,541<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,134,697<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n52,781<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.59<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,223,293<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n112,739<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.32<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest bearing liabilities:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,366,380<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,478,030<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,170,685<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,202,663<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other non-interest bearing liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n314,768<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n257,874<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n321,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n251,026<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,518,843<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,680,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,626,928<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,676,982<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,423,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,110,038<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,365,454<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,114,035<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,105<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n26,945,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,793,820<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,995,485<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n24,794,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n242,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n218,346<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n478,012<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n429,254<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest margin \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.95<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.74<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.84<\/td>\n%<\/td>\n<\/tr>\n
Core spread(2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.02<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.12<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.91<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.14<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n (1)\u00a0\u00a0\u00a0<\/sup>The interest expense and the rates for \u201cother borrowings\u201d and for \u201csubordinated debentures\u201d were affected by capitalized interest. Capitalized interest included in other borrowings totaled $0.02 million for the second quarter and $0.05 million for the first six months of 2021 compared to $0.27 million for the second quarter and $0.62 million for the first six months of 2020. In the absence of this interest capitalization, the rates on other borrowings would have been 0.54% for the second quarter and 0.55% for the first six months of 2021 compared to 0.47% for the second quarter and 0.49% for the first six months of 2020. Capitalized interest included in subordinated debentures totaled $0.03 million for the second quarter and $0.18 million for the first six months of 2020 (none in the second quarter or first six months of 2021). In the absence of this interest capitalization, the rates on subordinated debentures would have been 3.95% for the second quarter and 4.37% for the first six months of 2020.<\/p>\n

\n (2)\u00a0\u00a0\u00a0<\/sup>Core spread is the difference between the yield on the Bank\u2019s non-purchased loans-FTE and the rate on its interest bearing deposits.<\/p>\n

\n Bank OZK
<\/strong>
\n Reconciliation of Non-GAAP Financial Measures<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Average Tangible Common Stockholders\u2019 Equity
<\/strong>
\n and the Annualized Return on Average Tangible Common Stockholders\u2019 Equity
<\/strong>Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n June 30, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n March 31, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n$<\/td>\n150,535<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n50,266<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n148,416<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n298,950<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n62,132<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average common stockholders\u2019 equity before noncontrolling interest<\/td>\n$<\/td>\n4,423,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,110,038<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,307,174<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,365,454<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,114,035<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less average intangible assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Core deposit and other intangible assets, net of accumulated amortization<\/td>\n\u00a0<\/td>\n(12,175<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(19,563<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13,828<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12,997<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(20,987<\/td>\n)<\/td>\n<\/tr>\n
Total average intangibles<\/td>\n\u00a0<\/td>\n(672,964<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(680,352<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(674,617<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(673,786<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(681,776<\/td>\n)<\/td>\n<\/tr>\n
Average tangible common stockholders\u2019 equity<\/td>\n$<\/td>\n3,750,129<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,429,686<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,632,557<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,691,668<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,432,259<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average common stockholders\u2019 equity(1)<\/sup><\/td>\n\u00a0<\/td>\n13.65<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.92<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.97<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.81<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.04<\/td>\n%<\/td>\n<\/tr>\n
Return on average tangible common stockholders’ equity(1)<\/sup><\/td>\n\u00a0<\/td>\n16.10<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.89<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.57<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.33<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.64<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n (1)<\/sup> Ratios for interim periods annualized based on actual days.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Total Tangible Common Stockholders\u2019 Equity
<\/strong>
\n and Tangible Book Value per Common Share
<\/strong>Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(In thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n$<\/td>\n4,501,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,110,666<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,383,205<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less intangible assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Core deposit and other intangible assets, net of accumulated amortization<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11,336<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18,377<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12,939<\/td>\n)<\/td>\n<\/tr>\n
Total intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(672,125<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(679,166<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(673,728<\/td>\n)<\/td>\n<\/tr>\n
Total tangible common stockholders’ equity<\/td>\n\u00a0<\/td>\n$<\/td>\n3,829,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,431,500<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,709,477<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shares of common stock outstanding<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,720<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,350<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n129,719<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n34.70<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n31.78<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n33.79<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n29.52<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26.53<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n28.60<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Total Tangible Common Stockholders\u2019 Equity
<\/strong>
\n and the Ratio of Total Tangible Common Stockholders\u2019 Equity
<\/strong>
\n to Total Tangible Assets
<\/strong>Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n$<\/td>\n4,501,676<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,110,666<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less intangible assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Core deposit and other intangible assets, net of accumulated amortization<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11,336<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18,377<\/td>\n)<\/td>\n<\/tr>\n
Total intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(672,125<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(679,166<\/td>\n)<\/td>\n<\/tr>\n
Total tangible common stockholders’ equity<\/td>\n\u00a0<\/td>\n$<\/td>\n3,829,551<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,431,500<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n26,605,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,380,409<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less intangible assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Core deposit and other intangible assets, net of accumulated amortization<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11,336<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(18,377<\/td>\n)<\/td>\n<\/tr>\n
Total intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(672,125<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(679,166<\/td>\n)<\/td>\n<\/tr>\n
Total tangible assets<\/td>\n\u00a0<\/td>\n$<\/td>\n25,933,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,701,243<\/td>\n\u00a0<\/td>\n<\/tr>\n
Ratio of total common stockholders\u2019 equity to total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.92<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.58<\/td>\n%<\/td>\n<\/tr>\n
Ratio of total tangible common stockholders\u2019 equity to total tangible assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.77<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.35<\/td>\n%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n<\/tr>\n
\n Calculation of Pre-Tax Pre-Provision Net Revenue
<\/strong>Unaudited<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n Six Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n March 31, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2021<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n June 30, 2020<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
Income before taxes<\/td>\n\u00a0<\/td>\n$<\/td>\n195,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n65,205<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n192,253<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n387,960<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n81,571<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(30,932<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n72,026<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(31,559<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(62,491<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n189,689<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue<\/td>\n\u00a0<\/td>\n$<\/td>\n164,777<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n137,231<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n160,694<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n325,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n271,260<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n \n <\/p>\n\n\n\n
Investor Contact:<\/td>\n\u00a0<\/td>\nTim Hicks (501) 978-2336<\/td>\n<\/tr>\n
Media Contact:<\/td>\n\u00a0<\/td>\nSusan Blair (501) 978-2217<\/td>\n<\/tr>\n<\/table>\n


\n
\n \n <\/div>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

LITTLE ROCK, Ark., July 22, 2021 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income for the second quarter of 2021 was a record $150.5 million, a 199.5% increase from $50.3 million for the second quarter of 2020. Diluted earnings per common share for the second quarter of 2021 were a record $1.16, a 197.4% increase from $0.39 for the second quarter of 2020. For the six months ended June 30, 2021, net income was $299.0 million, a 381.2% increase from $62.1 million for the first six months of 2020. Diluted earnings per common share for the first six months of 2021 were $2.30, a 379.2% increase from $0.48 for the first six months of … <\/p>\n

Continue reading “Bank OZK Announces\u00a0Record Second Quarter 2021 Earnings”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-516650","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nBank OZK Announces\u00a0Record Second Quarter 2021 Earnings - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-second-quarter-2021-earnings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank OZK Announces\u00a0Record Second Quarter 2021 Earnings - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"LITTLE ROCK, Ark., July 22, 2021 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income for the second quarter of 2021 was a record $150.5 million, a 199.5% increase from $50.3 million for the second quarter of 2020. Diluted earnings per common share for the second quarter of 2021 were a record $1.16, a 197.4% increase from $0.39 for the second quarter of 2020. For the six months ended June 30, 2021, net income was $299.0 million, a 381.2% increase from $62.1 million for the first six months of 2020. 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Diluted earnings per common share for the second quarter of 2021 were a record $1.16, a 197.4% increase from $0.39 for the second quarter of 2020. For the six months ended June 30, 2021, net income was $299.0 million, a 381.2% increase from $62.1 million for the first six months of 2020. 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