HOW HEALTHY IS THIS BANK?
Bank of the Ozarks
This bank acquired First Choice Community Bank, headquartered in Dallas, GA, after it failed on April 29, 2011.
This bank acquired The Park Avenue Bank, headquartered in Valdosta, GA, after it failed on April 29, 2011.
This bank acquired Oglethorpe Bank, headquartered in Brunswick, GA, after it failed on Jan. 14, 2011.
This bank acquired Chestatee State Bank, headquartered in Dawsonville, GA, after it failed on Dec. 17, 2010.
This bank acquired Horizon Bank, headquartered in Bradenton, FL, after it failed on Sept. 10, 2010.
This bank acquired Woodlands Bank, headquartered in Bluffton, SC, after it failed on July 16, 2010.
This bank acquired Unity National Bank, headquartered in Cartersville, GA, after it failed on March 26, 2010.
(Only bank failures since Jan. 1, 2010 are listed)
This bank is or was a subsidiary of Bank of the Ozarks, Inc., which has received money through the TARP program.
The troubled asset ratio
1. A "troubled asset ratio" compares the sum of troubled assets with the sum of Tier 1 Capital plus Loan Loss Reserves. Generally speaking, higher values in this ratio indicate that a bank is under more stress caused by loans that are not paying as scheduled. Each bank graphic is on it's own scale: use caution when comparing two banks.
2. The graphs are for comparing this bank to the national median troubled asset ratio. Because the ratio varies so widely among banks across the nation, the scale is not consistent from bank to bank and the graphs should not be used to compare banks to one another.
Financial details for Bank of the Ozarks
Note: The Federal Deposit Insurance Corp. insures deposit accounts up to $250,000. The "troubled asset ratio" is not an FDIC statistic. It is derived by adding the amounts of loans past due 90 days or more, loans in non-accrual status and other real estate owned (primarily properties obtained through foreclosure) and dividing that amount by the bank's capital and loan loss reserves. It is reported as a percentage. For example, a bank with $100,000 in "troubled assets" and $1,000,000 in capital would have a "troubled asset ratio" of 10 percent. For a fuller explanation, see our methodology.