Bank Of The Ozarks Inc (NASDAQ:OZRK) Q4 2014 Earnings Conference Call - Final Transcript

Jan 16, 2015 • 11:00 am ET

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Bank Of The Ozarks Inc (NASDAQ:OZRK) Q4 2014 Earnings Conference Call - Final Transcript

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Operator
operator

Hello and welcome to the Bank of the Ozarks Incorporated Fourth Quarter and Full Year 2014 Earnings Release Conference Call. My name is Joe, and I'll be your operator for today's call. At this time, all participants are in a listen-only mode and later we will conduct a question-and-answer session. Please note that this conference is also being recorded.

I'd now like to turn the call over to Ms. Susan Blair. Ms. Blair, you may begin.

Executive
Susan Blair

Good morning. I am Susan Blair, Executive Vice President in charge of Investor Relations for Bank of the Ozarks. The purpose of this call is to discuss the company's results for the quarter and year just ended and our outlook for upcoming quarters. Our goal is to make this call as useful as possible to you in understanding our recent operating results and outlook for the future.

You will note that we revised our format for today's call. We hope you'll find it helpful. Additionally, a transcript of today's call including our prepared remarks and the Q&A will be posted on bankoftheozarks.com under the Investor Relations tab. (Forward-Looking Cautionary Statements)

Operator
operator

Welcome to the Bank of the Ozarks Incorporated Fourth Quarter and Full Year 2014 Earnings Release Conference Call. My name is Joe, and I'll be your operator for today's call.

At this time, all participants are in a listen-only mode. And later we will conduct a question-and-answer session. Please note that this conference is also being recorded.

I'd now like to turn the call over to Ms. Susan Blair. Ms. Blair, you may begin.

Executive
Susan Blair

Good morning. I am Susan Blair, Executive Vice President in charge of Investor Relations for Bank of the Ozarks. The purpose of this call is to discuss the company's results for the quarter and year just ended and our outlook for upcoming quarters. Our goal is to make this call as useful as possible to you in understanding our recent operating results and outlook for the future.

You will note that we revised our format for today's call. We hope you'll find it helpful. Additionally a transcript of today's call including our prepared remarks and the Q&A will be posted on bankoftheozarks.com under the Investor Relations tab.

During today's call and another disclosures and presentations, we may make certain forward looking statements about our plans, goals, expectations, thoughts, beliefs, estimates and outlook, including statements about economic, real estate market, competitive, credit market and interest rate conditions, revenue growth, net income and earnings per share, net interest margin, net interest income, non-interest income including service charge income, mortgage lending income, trust income, other income from purchased loans and gains on sales of foreclosed assets, non-interest expense, our efficiency ratio, asset quality and our various asset quality ratios, our expectations for net charge-offs and our net charge-off ratios, our allowance for loan and lease losses.

Loans, lease, and deposit growth, including growth in our non-purchase loan and lease portfolio; growth from unfunded closed loans; and growth in earning assets, changes in expected cash