Bank of the Ozarks, Inc. Announces Record Second Quarter 2009 Earnings

LITTLE ROCK, Ark.--(Business Wire)--
Bank of the Ozarks, Inc. (NASDAQ: OZRK) today announced that net income
available to common stockholders for the quarter ended June 30, 2009 was a
record $9,501,000, an increase of 10.4% from $8,607,000 for the second quarter
of 2008. Diluted earnings per common share for the second quarter of 2009 were a
record $0.56, compared to $0.51 for the second quarter of 2008, an increase of
9.8%.

For the six months ended June 30, 2009, net income totaled $18,787,000, a 14.8%
increase from net income of $16,372,000 for the first six months of 2008.
Diluted earnings per common share for the first six months of 2009 were $1.11,
compared to $0.97 for the first six months of 2008, an increase of 14.4%.

The Company`s annualized returns on average assets and average common
stockholders` equity for the second quarter of 2009 were 1.25% and 14.29%,
respectively, compared to 1.13% and 16.65%, respectively, for the second quarter
of 2008. Annualized returns on average assets and average stockholders` equity
for the six months ended June 30, 2009 were 1.20% and 14.24%, respectively,
compared with 1.12% and 15.99%, respectively, for the six months ended June 30,
2008.

In commenting on these results, George Gleason, Chairman and Chief Executive
Officer, stated, "We are very pleased to report our fifth consecutive quarter of
records in both net income and earnings per share. During the quarter just
ended, our net interest margin continued to improve, income from service charges
on deposit accounts improved from both the preceding quarter and the comparable
quarter last year, mortgage lending income was the best since 2003, and trust
income was a quarterly record. We also benefited from significant net gains on
sales of investment securities. Our excellent revenue results helped us achieve
a record efficiency ratio, which will likely be among the best in the nation.
These revenue results allowed us to achieve record net income despite our
significantly higher credit costs in the quarter just ended. Our strong revenue
generating capabilities, substantial capital base and robust allowance for loan
and lease losses provide a solid foundation for continued success."

Loans and leases were $2.00 billion at June 30, 2009, a 0.7% decrease from $2.01
billion at June 30, 2008. Mr. Gleason stated, "Our total volume of loans and
leases has declined slightly over the past year as slower economic conditions
have diminished loan and lease demand. While we have been actively seeking and
originating good quality new loans and leases, in recent quarters the volume of
new loans and leases has essentially been offset by the volume of loan and lease
pay downs."

Deposits were $2.13 billion at June 30, 2009, a 7.6% decrease from $2.31 billion
at June 30, 2008. Mr. Gleason stated, "The decline in our total deposits in
recent quarters obscures two favorable underlying trends. First, our non-CD
deposits have grown significantly. From June 30, 2008 to June 30, 2009, total
non-CD deposits grew $192 million and increased from 36.3% of total deposits to
48.3% of total deposits. Second, brokered deposits have been significantly
reduced as deposits from local customers have grown. Specifically, over the last
four quarters, total brokered deposits decreased $340 million from 18.8% of
total deposits at June 30, 2008 to 4.3% of total deposits at June 30, 2009. At
the same time our total locally generated deposits increased $165 million to
95.7% of total deposits at June 30, 2009. We feel that these changes in our
deposit mix have improved the quality, value and profitability of our deposit
base."

Total assets were $2.96 billion at June 30, 2009, a 3.3% decrease from $3.06
billion at June 30, 2008.

Common stockholders` equity was $261 million at June 30, 2009 compared to $211
million at June 30, 2008, an increase of 23.6%. Book value per common share was
$15.45 at June 30, 2009 compared to $12.53 at June 30, 2008, an increase of
23.3%. Changes in common stockholders` equity and book value per common share
reflect earnings, dividends paid, stock option and warrant transactions and a
significant favorable change in the Company`s mark-to-market adjustment for
unrealized gains and losses on available for sale ("AFS") investment securities
as of June 30, 2009 compared to June 30, 2008. Common stockholders` equity and
book value per common share decreased slightly from March 31, 2009 to June 30,
2009 as a result of an unfavorable change during the quarter in the Company`s
mark-to-market adjustment for unrealized gains and losses on AFS investment
securities.

The Company`s ratio of common stockholders` equity to assets increased to 8.80%
as of June 30, 2009 compared to 6.89% as of June 30, 2008. Its ratio of tangible
common stockholders` equity to tangible assets increased to 8.63% as of June 30,
2009 compared to 6.71% as of June 30, 2008.

Paul Moore, Chief Financial Officer, stated, "We continue to maintain our status
as `well capitalized` as determined by all applicable regulatory capital ratios
with a substantial margin above the minimum regulatory requirements for being
`well capitalized`. Our record earnings over the past five quarters have
contributed to increases in our common stockholders` equity, our tangible common
equity ratio and our regulatory capital ratios, further enhancing our already
strong capital position."

NET INTEREST INCOME

Net interest income for the second quarter of 2009 increased 28.2% to
$30,262,000 compared to $23,603,000 for the second quarter of 2008. Net interest
income for the quarter just ended decreased slightly from the first quarter of
2009 due to a lower volume of average earning assets in the second quarter,
resulting primarily from sales of investment securities. Net interest margin, on
a fully taxable equivalent ("FTE") basis, was 4.80% in the second quarter of
2009, an increase of 103 basis points from 3.77% in the second quarter of 2008
and seven basis points from 4.73% in the first quarter of 2009.

Net interest income for the six months ended June 30, 2009 increased 33.6% to
$60,596,000 compared to $45,353,000 for the six months ended June 30, 2008. The
Company`s net interest margin (FTE) for the first half of 2009 was 4.76%, an
increase of 103 basis points from 3.73% in the first half of 2008.

NON-INTEREST INCOME

Non-interest income for the second quarter of 2009 increased 306.9% to
$22,610,000 compared to $5,557,000 for the comparable quarter of 2008. This
large increase in non-interest income was primarily attributable to significant
gains on sales of investment securities during the most recent quarter.
Non-interest income for the six months ended June 30, 2009 was $31,983,000
compared to $10,682,000 for the six months ended June 30, 2008, a 199.4%
increase.

Service charges on deposit accounts were $3,047,000 in the second quarter of
2009, an increase of 2.7% from $2,967,000 in the second quarter of 2008. Service
charges on deposit accounts increased 0.2% to $5,850,000 for the first half of
2009 compared to $5,837,000 for the first half of 2008.

Mortgage lending income was $1,096,000 in the second quarter of 2009, an
increase of 72.3% from $636,000 in the second quarter of 2008. Mortgage lending
income was $1,958,000 in the first half of 2009, a 49.6% increase from
$1,309,000 in the first half of 2008.

Trust income was a record $751,000 in the second quarter of 2009, a 19.4%
increase from $629,000 in the second quarter of 2008. Trust income was
$1,398,000 in the first half of 2009, a 13.4% increase from $1,233,000 in the
first half of 2008.

Net gains on investment securities and from sales of other assets were
$16,487,000 in the second quarter of 2009 compared to $206,000 in the second
quarter of 2008. Such gains were $20,534,000 for the first half of 2009 compared
to $134,000 in the first half of 2008.

The Company has been a net seller of investment securities in recent months,
resulting in a $218 million reduction of its investment securities portfolio
during the second quarter of 2009. This reduction was undertaken primarily based
on the Company`s ongoing evaluations of interest rate risk, including
consideration of the potential effects of recent United States government
monetary and fiscal policy actions.

NON-INTEREST EXPENSE

Non-interest expense for the second quarter of 2009 was $17,945,000 compared to
$13,467,000 for the second quarter of 2008, an increase of 33.3%. This large
increase was due to a number of factors, including $1.3 million for the special
assessment levied by the FDIC on all insured institutions, $0.5 million for the
higher FDIC base insurance premium assessments applicable to all FDIC insured
institutions in 2009, $1.2 million related to the write down in the second
quarter of 2009 of the carrying value of items of other real estate owned, and
$0.5 million related to delinquent and current property taxes and legal expenses
associated with the transfer to other real estate owned of the collateral
securing a large credit relationship in northwest Arkansas. The Company`s
efficiency ratio for the quarter ended June 30, 2009 improved to a record 32.1%
compared to 42.1% for the second quarter of 2008.

Non-interest expense for the first six months of 2009 was $34,132,000 compared
with $26,347,000 for the first six months of 2008, an increase of 29.5%. The
Company`s efficiency ratio for the first six months of 2009 improved to 34.2%
compared to 43.5% for the first six months of 2008.

ASSET QUALITY, CHARGE-OFFS AND ALLOWANCE

Nonperforming loans and leases as a percent of total loans and leases were 0.90%
as of June 30, 2009 compared to 0.74% as of June 30, 2008 and 1.15% as of March
31, 2009. Nonperforming assets as a percent of total assets increased to 1.37%
as of June 30, 2009 compared to 0.59% as of June 30, 2008 and 1.17% as of March
31, 2009. The Company`s ratio of loans and leases past due 30 days or more,
including past due non-accrual loans and leases, to total loans and leases
increased to 2.34% as of June 30, 2009 compared to 0.92% as of June 30, 2008 and
2.24% as of March 31, 2009.

The Company`s annualized net charge-off ratio for the second quarter of 2009
increased to 2.89%, compared to 0.33% for the second quarter of 2008 and 0.64%
for the first quarter of 2009. The Company`s annualized net charge-off ratio was
1.77% for the first six months of 2009 compared to 0.35% for the first six
months of 2008 and 0.45% for the full year of 2008. The significant increase in
the net charge-off ratio in the second quarter of 2009 was primarily
attributable to a $10.5 million charge-off related to one large credit
relationship in northwest Arkansas.

Mr. Gleason commented, "Except for the unusually large second quarter charge-off
related to a single credit relationship, our net charge-off ratio for the first
half of 2009 was generally in line with our guidance. During the quarter just
ended, we had success in liquidating a number of problem assets, which allowed
us to maintain our ratios of nonperforming loans and leases, nonperforming
assets and past dues at levels slightly above or below the March 31, 2009
ratios. Although elevated from our historical levels, these ratios compare very
favorably to the most recently available data for the industry as a whole. We
have benefited from our long-standing commitment to sound underwriting
standards, thorough documentation, effective servicing and diligent collection
efforts."

During the second quarter of 2009, the Company`s provisions to the allowance for
loan and lease losses totaled $21.1 million. These provisions covered the
Company`s net charge-offs of $14.4 million during the quarter and increased the
allowance for loan and lease losses by $6.7 million. Provisions to the allowance
for loan and lease losses in the second quarter of 2008 were $4.0 million and in
the first quarter of 2009 were $10.6 million.

The Company`s allowance for loan and lease losses increased to $43.6 million at
June 30, 2009, or 2.19% of total loans and leases, compared to $23.4 million, or
1.16% of total loans and leases, at June 30, 2008 and $36.9 million, or 1.86% of
total loans and leases, at March 31, 2009. As of June 30, 2009, the Company`s
allowance for loan and lease losses equaled 244% of its total nonperforming
loans and leases compared to 158% at June 30, 2008 and 162% at March 31, 2009.

OTHER MATTERS

On June 30, 2009 a settlement agreement was executed by all parties to a
previously disclosed lawsuit filed on May 1, 2009 in the Circuit Court of
Washington County, Arkansas by Gary Combs and other plaintiffs against the
Company and other defendants. On July 1, 2009 an order of dismissal with
prejudice was entered by the court pursuant to the settlement agreement. This
settlement resulted in plaintiffs conveying to the Company`s bank subsidiary all
collateral securing the related loans and the plaintiffs dismissing all claims
against the Company and the other defendants. In return, the Company and the
other defendants agreed to release all claims, including any potential claim for
a deficiency judgment, against Mr. Combs and the other plaintiffs.

Mr. Gleason stated, "We are pleased to have this matter resolved and to have
title to our collateral. This puts us in a position to develop and implement an
effective plan for the orderly sale of these properties without the delays that
would result from continued litigation. To resolve this matter quickly, we
agreed to forego our claim for a deficiency judgment against the borrowers and
guarantors. We concluded this was in our Company`s best interest based on our
belief that any potential recovery from a deficiency judgment would not
significantly exceed, and might even be less than, the costs of obtaining and
collecting such deficiency judgment."

The collateral conveyed to the Company`s bank subsidiary pursuant to this
settlement was held as "other real estate owned" at June 30, 2009 and was
included in nonperforming assets. All loan charge-offs related to this previous
credit relationship were recognized in the quarter just ended.

CONFERENCE CALL

Management will conduct a conference call to review announcements made in this
press release at 10:00 a.m. CDT (11:00 a.m. EDT) on Tuesday, July 14, 2009. The
call will be available live or in recorded version on the Company`s website
www.bankozarks.com under "Investor Relations" or interested parties calling from
locations within the United States and Canada may call 1-800-990-4845 up to ten
minutes prior to the beginning of the conference and ask for the Bank of the
Ozarks conference call. A recorded playback of the entire call will be available
on the Company`s website or by telephone by calling 1-800-642-1687 in the United
States and Canada or 706-645-9291 internationally. The passcode for this
telephone playback is 17748879. The telephone playback will be available through
July 31, 2009, and the website recording of the call will be available for 12
months.

FORWARD LOOKING STATEMENTS

This release and other communications by the Company contain forward looking
statements regarding the Company`s plans, expectations, beliefs, goals and
outlook for the future. Actual results may differ materially from those
projected in such forward looking statements due to, among other things,
continued interest rate changes including changes in the shape of the yield
curve, competitive factors, general economic and real estate market conditions
and their effects on the creditworthiness of borrowers and collateral values,
recently enacted and potential legislation and regulatory actions including
legislation and regulatory actions intended to stabilize economic conditions and
credit markets and to protect homeowners, changes in the value and volume of
investment securities, changes in U.S. government monetary and fiscal policy,
changes in credit market conditions, and the ability to attract new deposits and
loans and leases, as well as other factors identified in this press release or
in Management`s Discussion and Analysis under the caption "Forward Looking
Information" contained in the Company`s 2008 Annual Report to Stockholders and
the most recent Annual Report on Form 10-K filed with the Securities and
Exchange Commission.

GENERAL INFORMATION

Bank of the Ozarks, Inc. common stock trades on the NASDAQ Global Select Market
under the symbol "OZRK." The Company owns a state-chartered subsidiary bank that
conducts banking operations through 72 offices including 65 banking offices in
34 communities throughout northern, western and central Arkansas, six Texas
banking offices, and a loan production office in Charlotte, North Carolina. The
Company may be contacted at (501) 978-2265 or P. O. Box 8811, Little Rock,
Arkansas 72231-8811. The Company`s website is: www.bankozarks.com.

Bank of the Ozarks, Inc.
Selected Consolidated Financial Data
(Dollars in Thousands, Except Per Share Amounts)
Unaudited

Quarters Ended Six Months Ended
June 30, June 30,
2009 2008 % Change 2009 2008 % Change
Income statement data:
Net interest income $ 30,262 $ 23,603 28.2 % $ 60,596 $ 45,353 33.6 %
Provision for loan and lease losses 21,100 4,000 427.5 31,700 7,325 332.8
Non-interest income 22,610 5,557 306.9 31,983 10,682 199.4
Non-interest expense 17,945 13,467 33.3 34,132 26,347 29.5
Non-controlling interest - 25 (23 ) 25
Preferred dividends 1,076 - 2,150 -
Net income available to common stockholders 9,501 8,607 10.4 18,787 16,372 14.8

Common stock data:
Net income per share - diluted $ 0.56 $ 0.51 9.8 % $ 1.11 $ 0.97 14.4 %
Net income per share - basic 0.56 0.51 9.8 1.11 0.97 14.4
Cash dividends per share 0.13 0.12 8.3 0.26 0.24 8.3
Book value per share 15.45 12.53 23.3 15.45 12.53 23.3
Diluted shares outstanding (thousands) 16,894 16,865 16,890 16,862
End of period shares outstanding (thousands) 16,871 16,834 16,871 16,834

Balance sheet data at period end:
Total assets $ 2,961,696 $ 3,062,117 (3.3 )% $ 2,961,696 $ 3,062,117 (3.3 )%
Total loans and leases 1,996,964 2,011,921 (0.7 ) 1,996,964 2,011,921 (0.7 )
Allowance for loan and lease losses 43,635 23,432 86.2 43,635 23,432 86.2
Total investment securities 671,513 768,180 (12.6 ) 671,513 768,180 (12.6 )
Goodwill 5,243 5,243 - 5,243 5,243 -
Other intangibles - net of amortization 366 503 (27.2 ) 366 503 (27.2 )
Total deposits 2,132,870 2,307,475 (7.6 ) 2,132,870 2,307,475 (7.6 )
Repurchase agreements with customers 56,067 43,903 27.7 56,067 43,903 27.7
Other borrowings 343,262 413,654 (17.0 ) 343,262 413,654 (17.0 )
Subordinated debentures 64,950 64,950 - 64,950 64,950 -
Preferred stock 72,156 - 72,156 -
Common stockholders` equity 260,729 210,897 23.6 260,729 210,897 23.6
Net unrealized gain (loss) on AFS investment securities included in common stockholders` equity 9,239 (8,033 ) 9,239 (8,033 )
Loan and lease to deposit ratio 93.63 % 87.19 % 93.63 % 87.19 %

Selected ratios:
Return on average assets* 1.25 % 1.13 % 1.20 % 1.12 %
Return on average common stockholders` equity* 14.29 16.65 14.24 15.99
Average common equity to total average assets 8.73 6.77 8.46 7.03
Net interest margin - FTE* 4.80 3.77 4.76 3.73
Efficiency ratio 32.08 42.10 34.20 43.51
Net charge-offs to average loans and leases* 2.89 0.33 1.77 0.35
Nonperforming loans and leases to total loans and leases 0.90 0.74 0.90 0.74
Nonperforming assets to total assets 1.37 0.59 1.37 0.59
Allowance for loan and lease losses to total loans and leases 2.19 1.16 2.19 1.16

Other information:
Non-accrual loans and leases $ 17,887 $ 14,878 $ 17,887 $ 14,878
Accruing loans and leases - 90 days past due - - - -
ORE and repossessions 22,727 3,147 22,727 3,147

*Ratios for interim periods annualized based on actual days.

Bank of the Ozarks, Inc.
Supplemental Quarterly Financial Data
(Dollars in Thousands, Except Per Share Amounts)
Unaudited

9/30/07 12/31/07 3/31/08 6/30/08 9/30/08 12/31/08 3/31/09 6/30/09
Earnings Summary:
Net interest income $ 19,671 $ 20,406 $ 21,751 $ 23,603 $ 24,616 $ 28,731 $ 30,334 $ 30,262
Federal tax (FTE) adjustment 899 974 1,691 2,767 2,074 3,950 4,169 3,060
Net interest income (FTE) 20,570 21,380 23,442 26,370 26,690 32,681 34,503 33,322
Provision for loan and lease losses (1,100 ) (2,700 ) (3,325 ) (4,000 ) (3,400 ) (8,300 ) (10,600 ) (21,100 )
Non-interest income 5,419 5,975 5,125 5,557 4,871 3,796 9,373 22,610
Non-interest expense (11,734 ) (12,508 ) (12,881 ) (13,467 ) (13,828 ) (14,233 ) (16,187 ) (17,945 )
Pretax income (FTE) 13,155 12,147 12,361 14,460 14,333 13,944 17,089 16,887
FTE adjustment (899 ) (974 ) (1,691 ) (2,767 ) (2,074 ) (3,950 ) (4,169 ) (3,060 )
Provision for income taxes (3,856 ) (3,437 ) (2,905 ) (3,111 ) (3,255 ) (655 ) (2,537 ) (3,250 )
Non-controlling interest 2 1 - 25 7 (21 ) (23 ) -
Preferred stock dividend - - - - - (227 ) (1,074 ) (1,076 )
Net income available to common stockholders $ 8,402 $ 7,737 $ 7,765 $ 8,607 $ 9,011 $ 9,091 $ 9,286 $ 9,501

Earnings per common share - diluted $ 0.50 $ 0.46 $ 0.46 $ 0.51 $ 0.53 $ 0.54 $ 0.55 $ 0.56

Non-interest Income:
Service charges on deposit accounts $ 3,075 $ 3,176 $ 2,871 $ 2,967 $ 3,102 $ 3,067 $ 2,803 $ 3,047
Mortgage lending income 594 526 672 636 473 434 861 1,096
Trust income 565 661 604 629 649 712 647 751
Bank owned life insurance income 487 489 489 499 512 2,630 477 484
Gains (losses) on investment securities 77 106 20 - (317 ) (3,136 ) 3,999 16,519
Gains (losses) on sales of other assets 38 461 (93 ) 206 (78 ) (579 ) 48 (32 )
Other 583 556 562 620 530 668 538 745
Total non-interest income $ 5,419 $ 5,975 $ 5,125 $ 5,557 $ 4,871 $ 3,796 $ 9,373 $ 22,610

Non-interest Expense:
Salaries and employee benefits $ 6,936 $ 7,399 $ 7,332 $ 7,624 $ 7,728 $ 7,448 $ 7,916 $ 7,978
Net occupancy expense 2,059 2,101 2,074 2,183 2,318 2,306 2,578 2,449
Other operating expenses 2,673 2,943 3,410 3,594 3,727 4,452 5,666 7,490
Amortization of intangibles 66 65 65 66 55 27 27 28
Total non-interest expense $ 11,734 $ 12,508 $ 12,881 $ 13,467 $ 13,828 $ 14,233 $ 16,187 $ 17,945

Allowance for Loan and Lease Losses:
Balance at beginning of period $ 18,747 $ 19,067 $ 19,557 $ 21,063 $ 23,432 $ 25,427 $ 29,512 $ 36,949
Net charge-offs (780 ) (2,210 ) (1,819 ) (1,631 ) (1,405 ) (4,215 ) (3,163 ) (14,414 )
Provision for loan and lease losses 1,100 2,700 3,325 4,000 3,400 8,300 10,600 21,100
Balance at end of period $ 19,067 $ 19,557 $ 21,063 $ 23,432 $ 25,427 $ 29,512 $ 36,949 $ 43,635

Selected Ratios:
Net interest margin - FTE* 3.45 % 3.47 % 3.69 % 3.77 % 3.82 % 4.52 % 4.73 % 4.80 %
Efficiency ratio 45.14 45.72 45.09 42.10 43.79 39.08 36.95 32.08
Net charge-offs to average loans and leases* 0.17 0.47 0.38 0.33 0.27 0.83 0.64 2.89
Nonperforming loans and leases/total loans and leases 0.19 0.35 0.68 0.74 0.70 0.76 1.15 0.90
Nonperforming assets/total assets 0.22 0.36 0.58 0.59 0.66 0.81 1.17 1.37
Loans and leases past due 30 days or more, including past due non-accrual loans and leases, to total loans and leases 0.45 1.14 1.30 0.92 0.94 2.68 2.24 2.34

* Annualized based on actual days.

Bank of the Ozarks, Inc.
Average Consolidated Balance Sheet and Net Interest Analysis
(Dollars in Thousands)
Unaudited

Quarter Ended Six Months Ended
June 30, 2009 June 30, 2009
Average Income/ Yield/ Average Income/ Yield/
Balance Expense Rate Balance Expense Rate
ASSETS
Earning assets:
Interest earning deposits and federal funds sold $ 660 $ 2 1.52 % $ 535 $ 5 2.07 %
Investment securities:
Taxable 360,804 5,286 5.88 381,982 10,899 5.75
Tax-exempt - FTE 421,344 8,732 8.31 482,069 20,627 8.63
Loans and leases - FTE 2,002,257 31,626 6.34 2,007,940 63,546 6.38
Total earning assets - FTE 2,785,065 45,646 6.57 2,872,526 95,077 6.67
Non-earning assets 269,967 272,650
Total assets $ 3,055,032 $ 3,145,176

LIABILITIES AND STOCKHOLDERS` EQUITY
Interest bearing liabilities:
Deposits:
Savings and interest bearing transaction $ 838,770 $ 1,681 0.80 % $ 855,265 $ 3,555 0.84 %
Time deposits of $100,000 or more 717,742 3,638 2.03 741,339 8,659 2.36
Other time deposits 431,985 2,724 2.53 462,540 6,380 2.78
Total interest bearing deposits 1,988,497 8,043 1.62 2,059,144 18,594 1.82
Repurchase agreements with customers 57,372 155 1.08 54,188 310 1.15
Other borrowings 369,581 3,554 3.86 397,111 7,127 3.62
Subordinated debentures 64,950 572 3.53 64,950 1,221 3.79
Total interest bearing liabilities 2,480,400 12,324 1.99 2,575,393 27,252 2.13
Non-interest bearing liabilities:
Non-interest bearing deposits 208,149 203,006
Other non-interest bearing liabilities 27,708 28,730
Total liabilities 2,716,257 2,807,129
Preferred stock 72,088 72,020
Common stockholders` equity 266,687 266,027
Total liabilities and stockholders` equity $ 3,055,032 $ 3,145,176

Net interest income - FTE $ 33,322 $ 67,825
Net interest margin - FTE 4.80 % 4.76 %

Bank of the Ozarks, Inc.
Susan Blair, 501-978-2217

Copyright Business Wire 2009