Bank OZK (OZK)

Bank OZK Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,455	2,459	1,992	1,190	1,019	1,015
Interest Income on Investments	193.09	191.03	136.63	76.3	52.47	65.62
Total Interest Income	2,648	2,650	2,128	1,266	1,071	1,081
Interest Paid on Deposits	1,086	1,085	627.05	94.57	64.42	171.81
Interest Paid on Borrowings	30.63	31	61.64	29.25	17.17	20.34
Total Interest Expense	1,117	1,116	688.69	123.83	81.59	192.16
Net Interest Income	1,531	1,534	1,439	1,142	989.72	888.62
Net Interest Income Growth (YoY)	4.06%	6.55%	26.02%	15.41%	11.38%	0.50%
Trust Income	9.76	9.57	8.52	7.99	8.51	7.54
Gain (Loss) on Sale of Assets	3.73	3.42	9.03	11.47	9.96	6.86
Gain (Loss) on Sale of Investments	0.15	0.56	-24.53	-18.27	-14.57	-3.81
Other Non-Interest Income	71.5	66.19	52.73	46.39	51.92	47.43
Total Non-Interest Income	128.71	123.07	91.82	93.4	98.43	95.72
Non-Interest Income Growth (YoY)	29.35%	34.04%	-1.70%	-5.11%	2.83%	-5.48%
Revenues Before Loan Losses	1,660	1,657	1,531	1,236	1,088	984.35
Provision for Loan Losses	171.05	175.55	165.47	83.49	-77.94	203.64
Revenue	1,489	1,481	1,366	1,152	1,166	780.71
Revenue Growth (YoY)	6.47%	8.45%	18.55%	-1.20%	49.36%	-18.61%
Salaries and Employee Benefits	287.98	275.34	241.41	213.17	198.56	191.99
Occupancy Expenses	60.85	60.38	61.99	59.96	56.4	52.58
Selling, General & Administrative	52.55	52.55	44.18	32.1	29.18	31.7
Other Non-Interest Expense	163.56	163.03	154.21	126.2	131.06	128.87
Total Non-Interest Expense	564.93	551.29	501.79	431.43	415.2	405.13
EBT Excluding Unusual Items	924.03	929.95	864.04	720.72	750.89	375.57
Pretax Income	925.37	931.29	867	721.53	752.92	376.18
Income Tax Expense	212.46	214.79	176.16	157.44	173.89	84.31
Earnings From Continuing Operations	712.92	716.5	690.84	564.09	579.03	291.87
Minority Interest in Earnings	-0.04	-0.05	-0.06	0.05	-0.03	0.03
Net Income	712.88	716.46	690.78	564.14	579	291.9
Preferred Dividends & Other Adjustments	16.19	16.19	16.19	16.62	-	-
Net Income to Common	696.69	700.27	674.6	547.52	579	291.9
Net Income Growth	2.36%	3.72%	22.45%	-2.57%	98.36%	-31.46%
Basic Shares Outstanding	114	114	114	120	129	129
Diluted Shares Outstanding	114	114	115	121	130	129
Shares Change (YoY)	0.13%	-0.71%	-4.86%	-6.88%	0.14%	0.33%
EPS (Basic)	6.13	6.16	5.89	4.55	4.49	2.26
EPS (Diluted)	6.10	6.14	5.87	4.54	4.47	2.26
EPS Growth	2.15%	4.60%	29.29%	1.57%	98.03%	-31.60%
Dividend Per Share	1.620	1.580	1.420	1.260	1.133	1.077
Dividend Growth	10.96%	11.27%	12.70%	11.26%	5.10%	14.63%
Effective Tax Rate	22.96%	23.06%	20.32%	21.82%	23.09%	22.41%

Updated Mar 3, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q