{"id":749749,"date":"2023-04-20T16:25:01","date_gmt":"2023-04-20T20:25:01","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-first-quarter-2023-earnings\/"},"modified":"2023-04-20T16:25:01","modified_gmt":"2023-04-20T20:25:01","slug":"bank-ozk-announces-record-first-quarter-2023-earnings","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/bank-ozk-announces-record-first-quarter-2023-earnings\/","title":{"rendered":"Bank OZK Announces Record\u00a0First Quarter 2023 Earnings"},"content":{"rendered":"
\n

LITTLE ROCK, Ark., April 20, 2023 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income available to common stockholders for the first quarter of 2023 was a record $165.9 million, a 29.5% increase from $128.0 million for the first quarter of 2022. Diluted earnings per common share for the first quarter of 2023 were a record $1.41, a 38.2% increase from $1.02 for the first quarter of 2022.<\/p>\n

Provision for credit losses was $35.8 million for the first quarter of 2023 compared to $4.2 million for the first quarter of 2022 and $32.5 million for the fourth quarter of 2022. The Bank\u2019s total allowance for credit losses (\u201cACL\u201d) was $393.8 million at March 31, 2023 compared to $293.5 million at March 31, 2022.
Pre-tax pre-provision net revenue (\u201cPPNR\u201d) was a record $246.4 million for the first quarter of 2023, a 42.4% increase from $173.1 million for the first quarter of 2022. The calculation of PPNR and the reconciliation to generally accepted accounting principles (\u201cGAAP\u201d) are included in the schedules accompanying this release.
The Bank\u2019s annualized returns on average assets, average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity for the first quarter of 2023 were 2.41%, 15.24% and 17.94%, respectively, compared to 1.97%, 11.67% and 13.73%, respectively, for the first quarter of 2022. The calculation of the Bank\u2019s returns on average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity and the reconciliations to GAAP are included in the schedules accompanying this release.
George Gleason, Chairman and Chief Executive Officer stated, \u201cWe are pleased to report our record results for the first quarter. These results could not be achieved without the outstanding performance of our teammates. Our strong capital, liquidity and profitability 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 $22.06 billion at March 31, 2023, a 16.5% increase from $18.93 billion at March 31, 2022. Deposits were $22.28 billion at March 31, 2023, a 9.6% increase from $20.33 billion at March 31, 2022. Total assets were $28.97 billion at March 31, 2023, a 9.1% increase from $26.56 billion at March 31, 2022.
Common stockholders\u2019 equity was $4.42 billion at March 31, 2023, a 1.7% increase from $4.35 billion at March 31, 2022. Tangible common stockholders\u2019 equity was $3.76 billion at March 31, 2023, a 2.1% increase from $3.68 billion at March 31, 2022. During the four quarters ended March 31, 2023, the Bank repurchased approximately 7.84 million shares of its common stock at a weighted average cost of $38.75, for a total of $303.7 million, including 2.35 million shares at a weighted average cost of $38.59, for a total of $85.34 million, during the quarter just ended.
Book value per common share was $38.43 at March 31, 2023, an 8.3% increase from $35.47 at March 31, 2022. Tangible book value per common share was $32.68 at March 31, 2023, a 8.8% increase from $30.03 at March 31, 2022.
The Bank\u2019s ratio of total common stockholders\u2019 equity to total assets was 15.27% at March 31, 2023, compared to 16.38% at March 31, 2022. Its ratio of total tangible common stockholders\u2019 equity to total tangible assets was 13.28% at March 31, 2023, compared to 14.22% at March 31, 2022.
The calculations of the Bank\u2019s common stockholders\u2019 equity, tangible common stockholders\u2019 equity, tangible book value per common share, and ratio of total tangible common stockholders\u2019 equity to total tangible assets and the reconciliations to GAAP are included in the schedules accompanying this release.<\/p>\n

\n
\n ASSET QUALITY<\/u>
\n <\/strong>\n <\/p>\n

The Bank\u2019s ratio of nonperforming non-purchased loans to total loans (excluding purchased loans) was 0.15% at March 31, 2023, compared to 0.21% as of March 31, 2022. The Bank\u2019s ratio of nonperforming assets to total assets (excluding purchased loans, except for their inclusion in total assets) was 0.34% at March 31, 2023, compared to 0.16% as of March 31, 2022. The Bank\u2019s annualized ratio of net charge-offs of non-purchased loans to average non-purchased loans was 0.15% for the quarter ended March 31, 2023 compared to 0.08% for the quarter ended March 31, 2022.<\/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.
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 April 21, 2023. Interested parties may access the conference call live via webcast on the Bank\u2019s investor relations website at https:\/\/ir.ozk.com\/news\/event-calendar<\/a>, or may participate via telephone by registering using this online form<\/a>. Upon registration, all telephone participants will receive the dial-in number along with a unique PIN number that can be used to access the call. A replay of the conference call webcast will be archived on the Bank’s website for at least 30 days.
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\u00a0https:\/\/efr.fdic.gov\/fcxweb\/efr\/index.html<\/a>\u00a0and are also available on the Bank\u2019s investor relations website at\u00a0ir.ozk.com<\/a>. To receive automated email alerts for these materials please visit\u00a0https:\/\/ir.ozk.com\/other\/email-alerts<\/a>\u00a0to sign up.<\/p>\n

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

This release contains certain non-GAAP financial measures.\u00a0The Bank uses these non-GAAP financial measures, specifically return on average common stockholders\u2019 equity, return on average tangible common stockholders\u2019 equity, tangible book value per common share, common stockholders\u2019 equity, 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 schedules accompanying 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 press 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. Forward-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. These risks, uncertainties and other factors include, but are not limited to: potential delays or other problems in implementing the Bank\u2019s growth and expansion strategies, including hiring or retaining qualified personnel, obtaining regulatory or other approvals, delays in identifying satisfactory sites, obtaining permits and designing, constructing and opening new offices or relocating, selling or closing existing offices; 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 transition from the London Interbank Offered Rate (\u201cLIBOR\u201d) as a reference rate; 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; conditions within the banking industry, including the effects of recent failures of other financial institutions; recently enacted and potential laws and regulatory requirements or changes to existing laws and regulatory requirements, including changes affecting oversight of the financial services industry, changes intended to manage or mitigate climate and related environmental risks or changes in the interpretation and enforcement of such laws and requirements, and the costs and expenses to comply with new and\/or existing legislation and regulatory requirements; uncertainty regarding the U.S. government\u2019s debt limit or 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, our operational or security systems or infrastructure, or those of third parties with whom we do 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 potential impact of continuing inflationary pressures; the potential impact of supply chain disruptions; national, international or political instability or military conflict, including the ongoing war in Ukraine; the competition and costs of recruiting and retaining human talent; impairment of our 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 communication or as detailed from time to time in our public filings, including those factors described in the disclosures under the headings \u201cForward-Looking Information\u201d and \u201cItem 1A. Risk Factors\u201d in our most recent Annual Report on Form 10-K for the year ended December 31, 2022 and our 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 described 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. Established in 1903, Bank OZK conducts banking operations with over 240 offices in eight states including Arkansas, Georgia, Florida, North Carolina, Texas, New York, California and Mississippi and had $28.97 billion in total assets as of March 31, 2023. Bank OZK can be found at\u00a0www.ozk.com<\/a>\u00a0and on\u00a0Facebook<\/a>,\u00a0Twitter<\/a>\u00a0and\u00a0LinkedIn<\/a>\u00a0or contacted at (501) 978-2265 or P.O. Box 8811, Little Rock, Arkansas 72231-8811.<\/p>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Consolidated Balance Sheets<\/strong>
\n
Unaudited<\/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
\u00a0<\/td>\n\u00a0<\/td>\n\n March 31,<\/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 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/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 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$<\/td>\n1,039,400<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,033,454<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2015 available for sale (\u201cAFS\u201d)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,422,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,491,613<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2015 trading<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,477<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,817<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal Home Loan Bank of Dallas and other bankers\u2019 bank stocks<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n62,304<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42,406<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,700,941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,400,154<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n378,637<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(222,025<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(208,858<\/td>\n)<\/td>\n<\/tr>\n
Net loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,839,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,569,933<\/td>\n\u00a0<\/td>\n<\/tr>\n
Premises and equipment, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n677,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n678,405<\/td>\n\u00a0<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,616<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accrued interest receivable<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n135,314<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n125,130<\/td>\n\u00a0<\/td>\n<\/tr>\n
Bank owned life insurance (\u201cBOLI\u201d)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n794,542<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n789,805<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n662,354<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n663,543<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n267,479<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n246,846<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n28,971,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,656,568<\/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$<\/td>\n4,419,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,658,451<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and interest bearing transaction<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,446,120<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,905,717<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,417,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,935,975<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,282,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,500,143<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n994,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n606,666<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,147<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n346,947<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,591<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n171,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n156,419<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accrued interest payable and other liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n290,269<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n233,864<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n24,207,872<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,965,630<\/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;
14,000,000 issued and outstanding at March 31, 2023 and
December 31, 2022<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock: $0.01 par value; 300,000,000 shares authorized;
115,080,108 and 117,176,928 shares issued and outstanding at
March 31, 2023 and December 31, 2022, respectively<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n1,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,172<\/td>\n\u00a0<\/td>\n<\/tr>\n
Additional paid-in capital<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,664,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,753,941<\/td>\n\u00a0<\/td>\n<\/tr>\n
Retained earnings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,898,904<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,773,135<\/td>\n\u00a0<\/td>\n<\/tr>\n
Accumulated other comprehensive (loss) income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(141,677<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(177,649<\/td>\n)<\/td>\n<\/tr>\n
Total stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,761,927<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,689,579<\/td>\n\u00a0<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,359<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,763,298<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,690,938<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total liabilities and stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n28,971,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,656,568<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Income<\/strong>
\n
Unaudited<\/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
\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n March 31,<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/strong>\n <\/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<\/tr>\n
Non-purchased loans<\/td>\n$<\/td>\n414,896<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n239,995<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n6,518<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,170<\/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<\/tr>\n
Taxable<\/td>\n\u00a0<\/td>\n10,171<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,611<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-exempt<\/td>\n\u00a0<\/td>\n9,264<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,986<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits with banks and federal funds sold<\/td>\n\u00a0<\/td>\n7,870<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n609<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest income<\/td>\n\u00a0<\/td>\n448,719<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n262,371<\/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<\/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<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n93,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,492<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n5,422<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n998<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n2,574<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,574<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n2,239<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n964<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest expense<\/td>\n\u00a0<\/td>\n103,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,028<\/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<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n344,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n249,343<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n35,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,190<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income after provision for credit losses<\/td>\n\u00a0<\/td>\n309,023<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n245,153<\/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<\/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<\/tr>\n
Service charges on deposit accounts:<\/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
NSF and overdraft fees<\/td>\n\u00a0<\/td>\n4,278<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,201<\/td>\n\u00a0<\/td>\n<\/tr>\n
All other service charges<\/td>\n\u00a0<\/td>\n6,502<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,690<\/td>\n\u00a0<\/td>\n<\/tr>\n
Trust income<\/td>\n\u00a0<\/td>\n2,033<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,094<\/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<\/tr>\n
Increase in cash surrender value<\/td>\n\u00a0<\/td>\n4,974<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,793<\/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>\n297<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan service, maintenance and other fees<\/td>\n\u00a0<\/td>\n4,076<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,018<\/td>\n\u00a0<\/td>\n<\/tr>\n
Gains on sales of other assets<\/td>\n\u00a0<\/td>\n343<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,992<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net gains (losses) on investment securities<\/td>\n\u00a0<\/td>\n1,716<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(90<\/td>\n)<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n3,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,480<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest income<\/td>\n\u00a0<\/td>\n27,809<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,475<\/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<\/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<\/tr>\n
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n63,249<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54,648<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy and equipment<\/td>\n\u00a0<\/td>\n17,870<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,215<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other operating expenses<\/td>\n\u00a0<\/td>\n45,098<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,852<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n126,217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n107,715<\/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<\/tr>\n
Income before taxes<\/td>\n\u00a0<\/td>\n210,615<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n168,913<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n40,703<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,410<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n169,912<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n132,503<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling interest<\/td>\n\u00a0<\/td>\n(12<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,480<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n$<\/td>\n165,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n128,028<\/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<\/tr>\n
Basic earnings per common share<\/td>\n$<\/td>\n1.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.03<\/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<\/tr>\n
Diluted earnings per common share<\/td>\n$<\/td>\n1.41<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.02<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Consolidated Statements of Stockholders\u2019 Equity<\/strong>
\n
Unaudited<\/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
\u00a0<\/td>\n\u00a0<\/td>\n\n Preferred<\/strong>
\n
\n Stock<\/strong>\n <\/td>\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 (Loss) 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(Dollars in thousands, except per share amounts)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Three months ended March 31, 2023:<\/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<\/tr>\n
Balances \u2013 December 31, 2022<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,172<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,753,941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,773,135<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(177,649<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n1,359<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,690,938<\/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>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n169,912<\/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>\n169,912<\/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\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12<\/td>\n\u00a0<\/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>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,972<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,972<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends, $0.28906 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\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/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(4,047<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $0.34 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\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(40,084<\/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(40,084<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 473,039 shares of common
stock pursuant to stock-based
compensation plans<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n518<\/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>\n523<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase and cancellation of 2,348,138
shares of common stock under share
repurchase program<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(24<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(85,315<\/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(85,339<\/td>\n)<\/td>\n<\/tr>\n
Repurchase and cancellation of 215,362
shares of common stock withheld for
tax pursuant to stock-based
compensation plans<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8,672<\/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(8,674<\/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>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,097<\/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>\n4,097<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 6,359 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\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2023<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,664,569<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,898,904<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(141,677<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n1,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,763,298<\/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<\/tr>\n
\n Three months ended March 31, 2022:<\/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<\/tr>\n
Balances \u2013 December 31, 2021<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,254<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,093,702<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,378,466<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n23,841<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,839,360<\/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>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n132,503<\/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>\n132,503<\/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\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/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<\/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\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(104,769<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(104,769<\/td>\n)<\/td>\n<\/tr>\n
Preferred stock dividends, $0.32 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\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,480<\/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(4,480<\/td>\n)<\/td>\n<\/tr>\n
Common stock dividends, $0.30 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\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(37,842<\/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(37,842<\/td>\n)<\/td>\n<\/tr>\n
Issuance of 248,426 shares of common
stock pursuant to stock-based
compensation plans<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,484<\/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>\n1,487<\/td>\n\u00a0<\/td>\n<\/tr>\n
Repurchase and cancellation of 2,883,013
shares of common stock under share
repurchase program<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(29<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(131,536<\/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(131,565<\/td>\n)<\/td>\n<\/tr>\n
Repurchase and cancellation of 112,974
shares of common stock withheld for
tax pursuant to stock-based
compensation plans<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5,398<\/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(5,399<\/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>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,874<\/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>\n3,874<\/td>\n\u00a0<\/td>\n<\/tr>\n
Forfeitures of 18,992 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\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2022<\/td>\n\u00a0<\/td>\n$<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1,962,126<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,468,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n(80,928<\/td>\n)<\/td>\n\u00a0<\/td>\n$<\/td>\n3,112<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,693,169<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Summary of Non-Interest Expense<\/strong>
\n
Unaudited<\/p>\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\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n March 31,<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/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
Salaries and employee benefits<\/td>\n\u00a0<\/td>\n$<\/td>\n63,249<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n54,648<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net occupancy and equipment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,870<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,215<\/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<\/tr>\n
Software and data processing<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9,283<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,186<\/td>\n\u00a0<\/td>\n<\/tr>\n
Professional and outside services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,105<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,817<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposit insurance and assessments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,148<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,150<\/td>\n\u00a0<\/td>\n<\/tr>\n
Advertising and public relations<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,036<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,259<\/td>\n\u00a0<\/td>\n<\/tr>\n
Telecommunication services<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,273<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,010<\/td>\n\u00a0<\/td>\n<\/tr>\n
ATM expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,139<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,509<\/td>\n\u00a0<\/td>\n<\/tr>\n
Postage and supplies<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,926<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,698<\/td>\n\u00a0<\/td>\n<\/tr>\n
Travel and meals<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,815<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,758<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,189<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,517<\/td>\n\u00a0<\/td>\n<\/tr>\n
Writedowns of foreclosed and other assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n258<\/td>\n\u00a0<\/td>\n<\/tr>\n
Loan collection and repossession expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n386<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n325<\/td>\n\u00a0<\/td>\n<\/tr>\n
Amortization of CRA and tax credit investments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,414<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,102<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,443<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,263<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total non-interest expense<\/td>\n\u00a0<\/td>\n$<\/td>\n126,217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n107,715<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Summary of Total Loans Outstanding<\/strong>
\n
Unaudited<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n March 31, 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31, 2022<\/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$<\/td>\n950,730<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.3<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n981,567<\/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>\n4,868,670<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,665,268<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.5<\/td>\n%<\/td>\n<\/tr>\n
Construction\/land development<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,666,053<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,215,056<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39.5<\/td>\n%<\/td>\n<\/tr>\n
Agricultural<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n237,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.1<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n239,689<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.2<\/td>\n%<\/td>\n<\/tr>\n
Multifamily residential<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,911,260<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,503,398<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.2<\/td>\n%<\/td>\n<\/tr>\n
Total real estate<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,634,565<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n75.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,604,978<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n75.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial and industrial<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,089,991<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n902,321<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,598,036<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,445,851<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,739,414<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,825,641<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,062,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,778,791<\/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(222,025<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(208,858<\/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$<\/td>\n21,839,981<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n20,569,933<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Allowance for Credit Losses<\/strong>
\n
Unaudited<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\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\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(Dollars in thousands)<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Three months ended March 31, 2023:<\/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<\/tr>\n
Balances \u2013 December 31, 2022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n208,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n156,419<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n365,277<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,339<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,339<\/td>\n)<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,506<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,323<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,829<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2023<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n222,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n171,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n393,767<\/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<\/tr>\n
\n Three months ended March 31, 2022:<\/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<\/tr>\n
Balances \u2013 December 31, 2021<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n217,380<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n71,609<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n288,989<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(13,528<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,718<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,190<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balances \u2013 March 31, 2022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n204,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n89,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n293,540<\/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<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Summary of Deposits \u2013 By Account Type<\/strong>
\n
Unaudited<\/p>\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n March 31, 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31, 2022<\/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
Non-interest bearing<\/td>\n\u00a0<\/td>\n$<\/td>\n4,419,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.8<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n4,658,451<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.7<\/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>\n4,343,384<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,097,532<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Savings and money market<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,102,736<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22.9<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,808,185<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Time deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,417,109<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37.8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,935,975<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n$<\/td>\n22,282,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n21,500,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Summary of Deposits \u2013 By Customer Type<\/strong>
\n
Unaudited<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n March 31, 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31, 2022<\/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
Non-interest bearing<\/td>\n\u00a0<\/td>\n$<\/td>\n4,419,754<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19.8<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n4,658,451<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21.7<\/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
Consumer and commercial:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\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
Consumer \u2013 non-time<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,489,601<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.7<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,916,078<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consumer \u2013 time<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,154,802<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27.6<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,936,061<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial \u2013 non-time<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,487,083<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.2<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,741,007<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n12.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Commercial \u2013 time<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n560,223<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n516,477<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Public funds<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,324,654<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.4<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,103,392<\/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>\n2,104,023<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.5<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,050,294<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reciprocal<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n742,843<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.3<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n578,383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total deposits<\/td>\n\u00a0<\/td>\n$<\/td>\n22,282,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n21,500,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n100.0<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Selected Consolidated Financial Data<\/strong>
\n
Unaudited<\/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
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended<\/strong>
\n
\n March 31,<\/strong>\n <\/td>\n		\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/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(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$<\/td>\n344,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n249,343<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.3<\/td>\n%<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,190<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n755.1<\/td>\n%<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,809<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,475<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(11.6<\/td>\n)<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n126,217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n107,715<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n169,912<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n132,503<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n28.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,480<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(9.7<\/td>\n)<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n128,028<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue (1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n246,444<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n173,103<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n42.4<\/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
Diluted earnings per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n1.41<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.02<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.2<\/td>\n%<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37.9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock dividends per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.30<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35.47<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share (1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n30.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted-average diluted shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n117,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n125,004<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6.1<\/td>\n)<\/td>\n<\/tr>\n
End of period shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n115,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6.2<\/td>\n)<\/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$<\/td>\n28,971,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,562,353<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.1<\/td>\n%<\/td>\n<\/tr>\n
Total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,062,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,931,022<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,700,941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,449,723<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n481,299<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(25.0<\/td>\n)<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n222,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n204,213<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,417<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,838.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2212 AFS<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,422,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,728,284<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8.2<\/td>\n)<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n662,354<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n667,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.8<\/td>\n)<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,282,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,329,662<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n994,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n756,347<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,147<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n346,333<\/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>\n121,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,171<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unfunded balance of closed loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,965,040<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,954,367<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n171,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,327<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n92.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,422,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,351,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net unrealized losses on investment securities AFS
included in stockholders\u2019 equity<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n(141,677<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(80,928<\/td>\n)<\/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>\n99.01<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93.12<\/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>\n2.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.97<\/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 (1) (2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.24<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.67<\/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>\n17.94<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.73<\/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>\n15.78<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.86<\/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>\n5.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.24<\/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>\n33.63<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.22<\/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>\n0.15<\/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>\n0.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.01<\/td>\n)<\/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>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/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>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/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>\n1.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for credit losses to total loans and unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.87<\/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$<\/td>\n33,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n37,363<\/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<\/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<\/table>\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(1)\u00a0\u00a0<\/sup>Calculations of pre-tax pre-provision net revenue, tangible book value per common share, total common stockholders\u2019 equity and returns on average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity and the reconciliations to GAAP are included in the schedules accompanying this release.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(2)\u00a0\u00a0<\/sup>Ratios for interim periods annualized based on actual days.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(3)\u00a0\u00a0<\/sup>Excludes purchased loans and net charge-offs related to such loans.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(4)\u00a0\u00a0<\/sup>Excludes purchased loans, except for their inclusion in total assets.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(5)\u00a0\u00a0<\/sup>Excludes reserve for losses on unfunded loan commitments.<\/p>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Selected Consolidated Financial Data (continued)<\/strong>
\n
Unaudited<\/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
\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 March 31, 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n December 31, 2022<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n %<\/strong>
\n
\n Change<\/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 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$<\/td>\n344,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n332,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.7<\/td>\n%<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,809<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,544<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n126,217<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n119,013<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.1<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n169,912<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n162,825<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n165,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n158,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue (1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n246,444<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n241,019<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.3<\/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
Diluted earnings per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n1.41<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.2<\/td>\n%<\/td>\n<\/tr>\n
Basic earnings per common share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.42<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.35<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Common stock dividends per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.33<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share (1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31.47<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Weighted-average diluted shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n117,405<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n118,201<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.7<\/td>\n)<\/td>\n<\/tr>\n
End of period shares outstanding (thousands)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n115,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n117,177<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1.8<\/td>\n)<\/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$<\/td>\n28,971,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,656,568<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.8<\/td>\n%<\/td>\n<\/tr>\n
Total loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,062,006<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,778,791<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.2<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,700,941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,400,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.4<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n378,637<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4.6<\/td>\n)<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n222,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n208,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.3<\/td>\n\u00a0<\/td>\n<\/tr>\n
Foreclosed assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n66,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,616<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n901.0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2212 AFS<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,422,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,491,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2.0<\/td>\n)<\/td>\n<\/tr>\n
Goodwill and other intangible assets, net<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n662,354<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n663,543<\/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>\n22,282,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,500,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.6<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n994,079<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n606,666<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n63.9<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,147<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n346,947<\/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>\n121,652<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,591<\/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>\n20,965,040<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,062,733<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.5<\/td>\n)<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n171,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n156,419<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n9.8<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n338,980<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,422,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,350,599<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.7<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net unrealized losses on investment securities AFS
included in stockholders\u2019 equity<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n(141,677<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(177,649<\/td>\n)<\/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>\n99.01<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n96.64<\/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>\n2.41<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.35<\/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 (1) (2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.24<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.76<\/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>\n17.94<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.48<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average common equity to average assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.78<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.90<\/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>\n5.54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.46<\/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>\n33.63<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.84<\/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>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/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>\n0.14<\/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
Nonperforming loans to total loans (4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/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>\n0.34<\/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>\n1.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.01<\/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 and
unfunded loan commitments<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.87<\/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$<\/td>\n33,371<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n43,411<\/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<\/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<\/table>\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(1)\u00a0\u00a0<\/sup>Calculations of pre-tax pre-provision net revenue, total common stockholders\u2019 equity, tangible book value per common share and returns on average common stockholders\u2019 equity and average tangible common stockholders\u2019 equity and the reconciliations to GAAP are included in the schedules accompanying this release.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(2)\u00a0\u00a0<\/sup>Ratios for interim periods annualized based on actual days.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(3)\u00a0\u00a0<\/sup>Excludes purchased loans and net charge-offs related to such loans.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(4)\u00a0\u00a0<\/sup>Excludes purchased loans, except for their inclusion in total assets.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(5)\u00a0\u00a0<\/sup>Excludes reserve for losses on unfunded loan commitments.\u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/p>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Supplemental Quarterly Financial Data<\/strong>
\n
Unaudited<\/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
\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/23<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 12\/31\/22<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 9\/30\/22<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 6\/30\/22<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 3\/31\/22<\/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 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<\/tr>\n
Net interest income<\/td>\n\u00a0<\/td>\n$<\/td>\n344,852<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n332,488<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n294,617<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n265,793<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n249,343<\/td>\n\u00a0<\/td>\n<\/tr>\n
Federal tax (FTE) adjustment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,603<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,383<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,151<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,300<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,017<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net interest income (FTE)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,455<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n334,871<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n296,768<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n267,093<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n250,360<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(35,829<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(32,508<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(39,771<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,025<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,190<\/td>\n)<\/td>\n<\/tr>\n
Non-interest income<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,809<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n27,544<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n29,163<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n26,320<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n31,475<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest expense<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(126,217<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(119,013<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(115,691<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(109,300<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(107,715<\/td>\n)<\/td>\n<\/tr>\n
Pre-tax income (FTE)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n213,218<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n210,894<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n170,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n177,088<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n169,930<\/td>\n\u00a0<\/td>\n<\/tr>\n
FTE adjustment<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,603<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,383<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,151<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,300<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(1,017<\/td>\n)<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(40,703<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(45,686<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(35,969<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(39,375<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(36,410<\/td>\n)<\/td>\n<\/tr>\n
Noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(12<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n54<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(8<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividend<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,047<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,480<\/td>\n)<\/td>\n<\/tr>\n
Net income available to common stockholders<\/td>\n\u00a0<\/td>\n$<\/td>\n165,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n158,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n128,302<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n132,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n128,028<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings per common share \u2013 diluted<\/td>\n\u00a0<\/td>\n$<\/td>\n1.41<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.08<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.10<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n1.02<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue (1)<\/sup><\/td>\n\u00a0<\/td>\n$<\/td>\n246,444<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n241,019<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n208,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n182,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n173,103<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n Selected 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<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n28,971,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n27,656,568<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,232,119<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,919,965<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,562,353<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,700,941<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,400,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,103,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,297,638<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,449,723<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361,065<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n378,637<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n410,166<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n445,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n481,299<\/td>\n\u00a0<\/td>\n<\/tr>\n
Investment securities \u2013 AFS<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,422,031<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,491,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,528,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,705,807<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,728,284<\/td>\n\u00a0<\/td>\n<\/tr>\n
Deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n22,282,983<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,500,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,401,876<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n19,984,187<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,329,662<\/td>\n\u00a0<\/td>\n<\/tr>\n
Unfunded balance of closed loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,965,040<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,062,733<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,091,101<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,369,767<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14,954,367<\/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<\/tr>\n
Balance at beginning of period<\/td>\n\u00a0<\/td>\n$<\/td>\n365,277<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n335,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n299,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n293,540<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n288,989<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,339<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,866<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(4,074<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(627<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n361<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,190<\/td>\n\u00a0<\/td>\n<\/tr>\n
Balance at end of period<\/td>\n\u00a0<\/td>\n$<\/td>\n393,767<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n365,277<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n335,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n299,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n293,540<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses<\/td>\n\u00a0<\/td>\n$<\/td>\n222,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n208,858<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n200,098<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n190,795<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n204,213<\/td>\n\u00a0<\/td>\n<\/tr>\n
Reserve for losses on unfunded loan commitments<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n171,742<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n156,419<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n135,537<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n109,143<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n89,327<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total allowance for credit losses<\/td>\n\u00a0<\/td>\n$<\/td>\n393,767<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n365,277<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n335,635<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n299,938<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n293,540<\/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<\/tr>\n
Net interest margin \u2013 FTE (2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.54<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.46<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.03<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.52<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.24<\/td>\n%<\/td>\n<\/tr>\n
Efficiency ratio<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n33.63<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32.84<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35.50<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n37.25<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n38.22<\/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>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.08<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net charge-offs to average total loans (2)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.06<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.09<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(0.01<\/td>\n)<\/td>\n<\/tr>\n
Nonperforming loans to total loans (4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.22<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.21<\/td>\n\u00a0<\/td>\n<\/tr>\n
Nonperforming assets to total assets (4)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.34<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.16<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for loan losses to total loans (5)<\/sup><\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.02<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.08<\/td>\n\u00a0<\/td>\n<\/tr>\n
Allowance for credit losses to total loans and
unfunded commitments<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n0.92<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.87<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.85<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.83<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.87<\/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>\n0.15<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.11<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.11<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.14<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(1)\u00a0\u00a0<\/sup>Calculations of pre-tax pre-provision net revenue and the reconciliation to GAAP are included in the schedules that follow under the caption \u201cReconciliation of Non-GAAP Financial Measures.\u201d
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(2)\u00a0\u00a0<\/sup>Ratios for interim periods annualized based on actual days.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(3)\u00a0\u00a0<\/sup>Excludes purchased loans and net charge-offs related to such loans.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(4)\u00a0\u00a0<\/sup>Excludes purchased loans, except for their inclusion in total assets.
\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0(5)\u00a0\u00a0<\/sup>Excludes reserve for losses on unfunded loan commitments.<\/p>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>
\n
\n Average Consolidated Balance Sheets and Net Interest Analysis \u2013 FTE<\/strong>
\n
Unaudited<\/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
\u00a0<\/td>\n\u00a0<\/td>\n\n Three Months Ended March 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/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<\/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<\/tr>\n
Interest 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<\/tr>\n
Interest earning deposits and federal funds sold<\/td>\n\u00a0<\/td>\n$<\/td>\n739,521<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n7,870<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.32<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n1,359,510<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n609<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.18<\/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<\/tr>\n
Taxable<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,450,756<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,171<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,378,613<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n10,611<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.27<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tax-exempt \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1,027,806<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11,727<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.63<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n570,987<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,779<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.68<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-purchased loans \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n20,850,529<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n415,037<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8.07<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,154,626<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n240,219<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5.37<\/td>\n\u00a0<\/td>\n<\/tr>\n
Purchased loans<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n370,887<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6,518<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.13<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n499,418<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n6.63<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total earning assets \u2013 FTE<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n25,439,499<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n451,323<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.19<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n23,963,154<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n263,388<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.46<\/td>\n\u00a0<\/td>\n<\/tr>\n
Non-interest earning assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,517,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,421,122<\/td>\n\u00a0<\/td>\n\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$<\/td>\n27,956,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,384,276<\/td>\n\u00a0<\/td>\n\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<\/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<\/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<\/tr>\n
Savings and interest bearing transaction<\/td>\n\u00a0<\/td>\n$<\/td>\n9,733,499<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n42,515<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n1.77<\/td>\n%<\/td>\n\u00a0<\/td>\n$<\/td>\n9,522,195<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n2,783<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.12<\/td>\n%<\/td>\n<\/tr>\n
Time deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,563,013<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n51,117<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.74<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,760,998<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,709<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.40<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17,296,512<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n93,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.20<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15,283,193<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8,492<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.23<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other borrowings<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n467,098<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n5,422<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4.71<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n756,115<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n998<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.54<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated notes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n347,049<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,574<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.01<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n346,227<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,574<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.02<\/td>\n\u00a0<\/td>\n<\/tr>\n
Subordinated debentures<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,638<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2,239<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7.47<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n121,097<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n964<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3.23<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total interest bearing liabilities<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n18,232,297<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n103,867<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n2.31<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16,506,632<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13,028<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n0.32<\/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<\/tr>\n
Non-interest bearing deposits<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,471,407<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,773,827<\/td>\n\u00a0<\/td>\n\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>\n499,997<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n312,409<\/td>\n\u00a0<\/td>\n\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>\n23,203,701<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n21,592,868<\/td>\n\u00a0<\/td>\n\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\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\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 stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,751,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,788,294<\/td>\n\u00a0<\/td>\n\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>\n1,364<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n3,114<\/td>\n\u00a0<\/td>\n\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$<\/td>\n27,956,546<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,384,276<\/td>\n\u00a0<\/td>\n\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$<\/td>\n347,456<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n250,360<\/td>\n\u00a0<\/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>\n\u00a0<\/td>\n5.54<\/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>\n\u00a0<\/td>\n4.24<\/td>\n%<\/td>\n<\/tr>\n
Core spread (1)<\/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>\n\u00a0<\/td>\n5.87<\/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>\n\u00a0<\/td>\n5.14<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n (1)\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
\n
\n <\/strong>\n <\/p>\n

\n Bank OZK<\/strong>\n <\/p>\n

\n Reconciliation of Non-GAAP Financial Measures<\/strong>\n <\/p>\n

\n Calculation of Average Common Stockholders\u2019 Equity,
<\/strong>
\n Average Tangible Common Stockholders\u2019 Equity
<\/strong>
\n and the Annualized Returns on Average Common Stockholders\u2019 Equity and
<\/strong>
\n Average Tangible Common Stockholders\u2019 Equity
<\/strong>Unaudited<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\n Three Months Ended<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\n March 31,<\/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\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/strong>\n <\/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$<\/td>\n165,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n128,028<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n158,832<\/td>\n\u00a0<\/td>\n<\/tr>\n
Average stockholders\u2019 equity before noncontrolling interest<\/td>\n$<\/td>\n4,751,481<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,788,294<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,608,570<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less average preferred stock<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n<\/tr>\n
Total average common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n4,412,501<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,449,314<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,269,590<\/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<\/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<\/tr>\n
Core deposit and other intangible assets,
net of accumulated amortization<\/td>\n		\u00a0<\/td>\n(2,243<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(7,572<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(3,421<\/td>\n)<\/td>\n<\/tr>\n
Total average intangibles<\/td>\n\u00a0<\/td>\n(663,032<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(668,361<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(664,210<\/td>\n)<\/td>\n<\/tr>\n
Average tangible common stockholders\u2019 equity<\/td>\n$<\/td>\n3,749,469<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,780,953<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,605,380<\/td>\n\u00a0<\/td>\n<\/tr>\n
Return on average common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n15.24<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n11.67<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.76<\/td>\n%<\/td>\n<\/tr>\n
Return on average tangible common stockholders\u2019 equity (1)<\/sup><\/td>\n\u00a0<\/td>\n17.94<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n13.73<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n17.48<\/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 <\/strong>\n <\/p>\n

\n Calculation of Total Common Stockholders\u2019 Equity,
<\/strong>
\n Total Tangible Common Stockholders\u2019 Equity
<\/strong>
\n and Tangible Book Value per Common Share
<\/strong>Unaudited<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/td>\n\u00a0<\/td>\n\n March 31,<\/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 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/strong>\n <\/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 stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n$<\/td>\n4,761,927<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,690,057<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,689,579<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less preferred stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders’ equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,422,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,351,077<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,350,599<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less intangible assets:<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Goodwill<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(660,789<\/td>\n)<\/td>\n<\/tr>\n
Core deposit and other intangible assets, net of
accumulated amortization<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n(1,565<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,757<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(2,754<\/td>\n)<\/td>\n<\/tr>\n
Total intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(662,354<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(667,546<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(663,543<\/td>\n)<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n3,760,593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,683,531<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,687,056<\/td>\n\u00a0<\/td>\n<\/tr>\n
Shares of common stock outstanding<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n115,080<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n122,677<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n117,177<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n38.43<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n35.47<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n37.13<\/td>\n\u00a0<\/td>\n<\/tr>\n
Tangible book value per common share<\/td>\n\u00a0<\/td>\n$<\/td>\n32.68<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n30.03<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n31.47<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Calculation of Total Common Stockholders\u2019 Equity,
<\/strong>
\n 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<\/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\u00a0<\/td>\n\n March 31,<\/strong>\n <\/td>\n\u00a0<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\n 2023<\/strong>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\n 2022<\/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
Total stockholders\u2019 equity before noncontrolling interest<\/td>\n\u00a0<\/td>\n$<\/td>\n4,761,927<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n4,690,057<\/td>\n\u00a0<\/td>\n<\/tr>\n
Less preferred stock<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(338,980<\/td>\n)<\/td>\n<\/tr>\n
Total common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,422,947<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,351,077<\/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(1,565<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,757<\/td>\n)<\/td>\n<\/tr>\n
Total intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(662,354<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(667,546<\/td>\n)<\/td>\n<\/tr>\n
Total tangible common stockholders\u2019 equity<\/td>\n\u00a0<\/td>\n$<\/td>\n3,760,593<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n3,683,531<\/td>\n\u00a0<\/td>\n<\/tr>\n
Total assets<\/td>\n\u00a0<\/td>\n$<\/td>\n28,971,170<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n26,562,353<\/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(1,565<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(6,757<\/td>\n)<\/td>\n<\/tr>\n
Total intangibles<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(662,354<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(667,546<\/td>\n)<\/td>\n<\/tr>\n
Total tangible assets<\/td>\n\u00a0<\/td>\n$<\/td>\n28,308,816<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n25,894,807<\/td>\n\u00a0<\/td>\n<\/tr>\n
Ratio of total common stockholders\u2019 equity to total assets<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n15.27<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n16.38<\/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>\n13.28<\/td>\n%<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n14.22<\/td>\n%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n <\/strong>\n <\/p>\n

\n Calculation of Pre-Tax Pre-Provision Net Revenue
<\/strong>Unaudited<\/p>\n\n\n\n\n\n\n\n\n\n\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 March 31,<\/strong>
\n
\n 2023<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n December 31,<\/strong>
\n
\n 2022<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n September 30,<\/strong>
\n
\n 2022<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n June 30,<\/strong>
\n
\n 2022<\/strong>\n <\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n\n March 31,<\/strong>
\n
\n 2022<\/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
Net income available to common
stockholders<\/td>\n		\u00a0<\/td>\n$<\/td>\n165,853<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n158,832<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n128,302<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n132,358<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n128,028<\/td>\n\u00a0<\/td>\n<\/tr>\n
Preferred stock dividends<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,047<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,480<\/td>\n\u00a0<\/td>\n<\/tr>\n
Earnings attributable to noncontrolling
interest<\/td>\n		\u00a0<\/td>\n\u00a0<\/td>\n12<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(54<\/td>\n)<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u2014<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n8<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n(5<\/td>\n)<\/td>\n<\/tr>\n
Provision for income taxes<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n40,703<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n45,686<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,969<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,375<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n36,410<\/td>\n\u00a0<\/td>\n<\/tr>\n
Provision for credit losses<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n35,829<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n32,508<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n39,771<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n7,025<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n4,190<\/td>\n\u00a0<\/td>\n<\/tr>\n
Pre-tax pre-provision net revenue<\/td>\n\u00a0<\/td>\n$<\/td>\n246,444<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n241,019<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n208,089<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n182,813<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$<\/td>\n173,103<\/td>\n\u00a0<\/td>\n<\/tr>\n<\/table>\n


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

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

LITTLE ROCK, Ark., April 20, 2023 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income available to common stockholders for the first quarter of 2023 was a record $165.9 million, a 29.5% increase from $128.0 million for the first quarter of 2022. Diluted earnings per common share for the first quarter of 2023 were a record $1.41, a 38.2% increase from $1.02 for the first quarter of 2022. Provision for credit losses was $35.8 million for the first quarter of 2023 compared to $4.2 million for the first quarter of 2022 and $32.5 million for the fourth quarter of 2022. The Bank\u2019s total allowance for credit losses (\u201cACL\u201d) was $393.8 million at March 31, 2023 … <\/p>\n

Continue reading “Bank OZK Announces Record\u00a0First Quarter 2023 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-749749","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nBank OZK Announces Record\u00a0First Quarter 2023 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-first-quarter-2023-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 Record\u00a0First Quarter 2023 Earnings - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"LITTLE ROCK, Ark., April 20, 2023 (GLOBE NEWSWIRE) — Bank OZK (the \u201cBank\u201d) (Nasdaq: OZK) today announced that net income available to common stockholders for the first quarter of 2023 was a record $165.9 million, a 29.5% increase from $128.0 million for the first quarter of 2022. Diluted earnings per common share for the first quarter of 2023 were a record $1.41, a 38.2% increase from $1.02 for the first quarter of 2022. Provision for credit losses was $35.8 million for the first quarter of 2023 compared to $4.2 million for the first quarter of 2022 and $32.5 million for the fourth quarter of 2022. 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