All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a me ...

Jay Staley - Director, Investor Relations and Corporate Development George Gleason - Chairman and Chief Executive Officer Brannon Hamblen - President Tim Hicks - Chief Financial Officer Cindy Wolfe - Chief Operating Officer Operator Good morning. I am Jay Staley, Director of Investor Relations and Corporate Development for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session. Question-and-Answer Session Company Participants Stephen Scouten - Piper Sandle ...

Bank OZK (NASDAQ:OZK) Q2 2023 Earnings Conference Call July 21, 2023 11:00 AM ET Company Participants Jay Staley - Investor Relations George Gleason - Chairman and Chief Executive Officer Brannon Hamblen - President Tim Hicks - Chief Financial Officer Cindy Wolfe - Chief Operating Officer Conference Call Participants Stephen Scouten - Piper Sandler Matt Olney - Stephens Manan Gosalia - Morgan Stanley Catherine Mealor - KBW Timur Braziler - Wells Fargo Michael Rose - Raymond James Brian Martin - Janney Montg ...

Catherine Mealor Okay. Great. And it seems like you still feel like you have capacity in your branch network to grow your funding through core CDs, not having to really tap the brokered market yet, even if your loan growth kind of continues at this $1 billion, $1.5 billion per quarter pace, is that a fair conclusion from what you were saying earlier? Cindy Wolfe It is there. We -- if you look at our branches in the aggregate, now we're in a lot of small markets as well as metro markets. So the nature of our ...

Company Participants Conference Call Participants Operator I would now like to hand the conference over to your speaker today, Jay Staley. Please go ahead. Good morning. I am Jay Staley, Director of Investor Relations and Corporate Development for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session. Joining me on the call to take your questions are George Gleason, Chairman and CEO; Brandon Hamlin, President; Tim Hicks, Chief Financial Officer; and Cindy ...

Bank OZK (NASDAQ:OZK) Q3 2022 Earnings Conference Call October 21, 2022 11:00 AM ET Company Participants Jay Staley - Director of IR & Corporate Development George Gleason - Chairman & Chief Executive Officer Cindy Wolfe - Chief Operating Officer Brannon Hamblen - President Tim Hicks - Chief Financial Officer Conference Call Participants Stephen Scouten - Piper Sandler Timur Braziler - Wells Fargo Catherine Mealor - KBW Matt Olney - Stephens Jennifer Demba - Truist Brian Martin - Janney Operator Ladies and ...

Bank OZK (NASDAQ:OZK) Q2 2022 Earnings Conference Call July 22, 2022 11:00 AM ET Company Participants Jay Staley - Director of IR & Corporate Development George Gleason - Chairman and CEO Brannon Hamblen - President Tim Hicks - Chief Credit and Administrative Officer Cindy Wolfe - Chief Banking Officer Conference Call Participants Timur Braziler - Wells Fargo Michael Rose - Raymond James Matthew Olney - Stephens Inc. Brian Martin - Janney Montgomery Catherine Mealor - KBW Operator Thank you for standing by, ...

Call Start: 11:00 January 1, 0000 11:56 AM ET Bank OZK (NASDAQ:OZK) Q1 2022 Earnings Conference Call April 22, 2022 11:00 AM ET Company Participants Jay Staley - Director of Investor Relations & Corporate Development Tim Hicks - Chief Credit and Administrative Officer George Gleason - Chairman and CEO Brannon Hamblen - President Cindy Wolfe - Chief Banking Officer Conference Call Participants Timur Braziler - Wells Fargo Stephen Scouten - Piper Sandler Brock Vandervliet - UBS Michael Rose - Raymond James Ma ...

Nasdaq: OZK | February 2022 Forward-Looking Information This presentation and other communications by Bank OZK (the "Bank") include certain "forward-looking statements" regarding the Bank's 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's expectations as well as certain assumptions and estimates made by, and information available to, ...

Financial Data and Key Metrics Changes - The net interest income for the quarter was reported to be $18 million to $19 million above a more typical run rate, driven by an exceptionally high level of minimum interest and payoffs on short-term renewals and extensions, which jumped from $6 million per quarter to $22 million in the current quarter [11][12][16] - The company expects a strong repayment year in 2022, but anticipates that the extraordinary income levels seen in Q4 will not be repeated [12][17] - The core loan yield, excluding PPP and minimum interest, was approximately 5.28%, with new loan yields coming in lower than the existing portfolio [18][19] Business Line Data and Key Metrics Changes - The Real Estate Specialty Group (RESG) is experiencing positive trends, with multifamily properties being the dominant type, followed by life sciences and a diverse range of other property types [32][35] - The company is seeing a broad range of opportunities in larger mixed-use projects, which could significantly impact volume in 2022 and 2023 [35][36] - The indirect auto business is expected to show positive net growth in 2022, with originations and fundings anticipated to exceed payoffs [101] Market Data and Key Metrics Changes - The company is benefiting from opportunities in various markets, including the Bay Area, New York, and Southern California, with a growing diversification of the portfolio [37][38] - The company has noted a significant increase in service charge revenue from value-added products, while NSF and overdraft fees have decreased compared to pre-pandemic levels [84] Company Strategy and Development Direction - The company is focused on maintaining strong capital levels to take advantage of new opportunities and is optimistic about origination volume in 2022, although it is cautious about making overly optimistic predictions [40][41] - The strategy includes enhancing asset sensitivity by keeping the securities portfolio short and ensuring a high percentage of variable-rate loans [90][91] - The company is also working on improving consumer-facing products to enhance competitiveness and drive growth in that segment [102] Management's Comments on Operating Environment and Future Outlook - Management expressed caution regarding the economic environment, noting numerous variables that could impact loan growth and payoffs in 2022 [92][94] - The company is adopting a conservative approach to its allowance for credit losses (ACL), reflecting uncertainties in the economic landscape [104][106] - Management is optimistic about the potential for loan growth but acknowledges the challenges posed by rising interest rates and the need for careful monitoring of market conditions [92][94] Other Important Information - The company has accelerated its annual salary review process to address wage inflation while managing non-interest expenses effectively [64][66] - Share repurchases were more active in Q4, with expectations for a slightly less active pace in Q1 due to higher stock prices [75] Q&A Session Summary Question: Margin and Interest Levels - Management acknowledged an exceptionally high level of minimum interest and payoffs this quarter, which is unlikely to be repeated in 2022 [11][12] Question: Trends in RESG - Positive trends in RESG were noted, with growth coming from various property types and markets [32][35] Question: Loan Origination Expectations - Management expects strong origination in 2022 but is cautious about predicting record levels due to various uncertainties [40][41] Question: Non-Interest Expense Projections - Non-interest expenses are expected to grow by approximately $2 million to $3 million per quarter in 2022 [67][70] Question: NSF and Overdraft Charges - The company has made changes to its fee structure, resulting in a decrease in NSF and overdraft fees, while focusing on value-added services [82][84] Question: Preparation for Higher Interest Rates - The company is keeping its securities portfolio short and focusing on variable-rate loans to enhance asset sensitivity [90][91] Question: Credit Reserve Size - Management feels the current reserve is appropriate, adopting a conservative approach due to economic uncertainties [104][106]