Bank of the Ozarks, Inc.
Ticker:OZRK 425 West Capitol Avenue, Suite 3100
Exchange:NASDAQ-National Market Little Rock, AR 72201
Industry:Financial (SIC Code 6022) (501) 374-4100

Offering Information
Type of Shares:Common Shares Filing Date:5/22/97
U.S. Shares:1,331,700 Offer Date:7/17/97
Non-U.S. Shares:0 Filing Range:$14.00 - $16.00
Primary Shares:700,000 Offer Price:$16.00
Secondary Shares:631,700 Gross Spread:$1.12
Offering Amount: $19,975,500 Selling:$0.66
Expenses:$400,000 Reallowance:$0.10
Shares Out After:3,579,800

Primary Underwriting Group
ManagerTierPhone
Stephens Inc.Lead Manager (501) 377-2130

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Rose Law Firm
Bank's Law Firm: Giroir & Gregory
Auditor: Baird, Kurtz & Dobson

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
3 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/96 3/31/97 3/31/96 3/31/97
Revenue:$13.67$3.87$3.06Assets:$286.94
Net Income:$3.03$0.96$0.78Curr Assets:
EPS:$1.05$0.33$0.27Liabilities:$267.87
Prior EPS:$0.75$1.57$1.35Curr Liabilities:
Cash Flow/Oper:$4.24Equity:$19.08
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The company conduct banking operations through 11 branches abd two loan production offices in ten communities throughout nothern, western and central Arkansas. The company provides a wide range of retail and commercial banking services. This includes non-interest bearing and interest bearing checking, savings and money market accounts, certificates of deposit (CD) and individual retirement accounts, as well as real estate, consumer, commercial, industrial and agricultural loans. Other banking services include personal and corporate trust services, safety deposit boxes, real estate apprasisals, credit related life and disability insurance, automated teller machines, telephone banking, credit cards and merchant credit card services.

Use of Proceeds
The proceeds from the proposed offering will be used to repay indebtedness and for general corporate purposes including capital investments in the company's subsidiary banks to fund anticipated growth and expansion.

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