UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES
EXCHANGE ACT OF 1934
Date of report (Date of earliest event reported): January 13, 2004
BANK OF THE OZARKS, INC.
(Exact name of Registrant as specified in its Charter)
(State of Incorporation) (Commission File No.) (IRS Employer I.D. No.)
Arkansas 0-22759 71-0556208
12615 Chenal Parkway
Little Rock, Arkansas 72231
(Address of Principal Executive Office) (Zip code)
Registrant's telephone number, including area code: 501- 978-2265
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
(c) Exhibits
99.1 Press Release Announcing Fourth Quarter and Full Year 2003
Earnings Report
Item 9. Regulation FD Disclosure
See Item 12. Results of Operations and Financial Condition
Item 12. Results of Operations and Financial Condition.
The Registrant hereby furnishes its press release regarding Fourth Quarter and
Full Year 2003 Earnings Report which is attached hereto as Exhibit 99.1 and
incorporated herein by reference. The Company's press release includes certain
non-GAAP financial measures, which are defined as numerical measures of a
company's financial performance, financial position or cash flows that exclude
(or include) amounts that are included in (or excluded from) the most directly
comparable measures calculated and presented in accordance with GAAP in the
Company's financial statements. The attached press release utilizes measures of
growth in deposits and loans that exclude the effect of the acquisition of River
Valley Bancshares and its bank subsidiary. The Company's management believes
that these measures provide useful information regarding the Company's financial
performance because they quantify the growth that resulted from existing versus
acquired operations and therefore provide insight into the results of operations
from such existing operations.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BANK OF THE OZARKS, INC.
(Registrant)
Date: January 13, 2004 /s/ Paul Moore
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Paul Moore
Chief Financial Officer
Exhibit No. Document Description
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99.1 Press Release Announcing Fourth Quarter and Full Year 2003
Earnings Report