Name of Issuer: Bank of the Ozarks, Inc.
Subject Company: The First National Bank of Shelby
Commission File No: 333-27641
Why Bank of the Ozarks?
We love what we do. Working with people like you. Helping you achieve your financial goals and building a secure financial future. Since 1903, Bank of the Ozarks has been working side-by-side with our customers, helping them grow and taking pride in being part of their lives.
This philosophy has helped us grow as a customer-friendly financial institution with more than 100 locations, while still maintaining a personal touch that empowers local decision-making at all levels.
What makes Bank of the Ozarks unique is the personal attention we give to every customer. From checking and savings to investment planning and loans, our bankers sit down and actually listen to your needs – so you can be sure you’re walking away with the right banking solution for you. That’s how we’ve made so many customers our friends. We care, and work hard to earn your respect.
At Bank of the Ozarks, we believe in being
true to our brand; no matter what your
banking needs, you have a friend here.
Personal Banking
When we say, “You have a friend here,” we mean it. We have bankers who look after you and your finances with a range of products and services designed just for your individual circumstances. Our bankers are ready to help you achieve your goals and build a secure financial future.
And with more than 100 offices and ATMs, you’re sure to find the perfect banking solution just around the corner. We’re ready to help you make the switch to Bank of the Ozarks today.
•Personal Checking
•Free VISA® Check Cards*
•Free Online Banking
•Free Online Bill Pay**
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•Credit Cards
•Identity Protect
•Home Loans
•Mobile Banking
•Savings
•Personal Loans
•Investment and Retirement Accounts
•Trust and Wealth Management
*Additional or replacement check cards are $5 each.
**Free for the first 15 payments each calendar month per login ID; $.50 for each payment thereafter.
Business Banking
At Bank of the Ozarks, you’ll find a team of business-banking professionals ready to tailor the right set of financial products to help your business grow and prosper. We don’t offer cookie-cutter solutions – just good, sound advice and solid, responsive service.
•Free Small Business Checking
•Commercial Checking and
Money Market Accounts
•Commercial Loans
•Commercial Real Estate Financing
•Online Cash Management
•Treasury Management Services
•Express Deposit
•Lines and Letters of Credit
•Equipment Leasing
•Merchant Payment Services
•VISA Business Credit Card
•VISA Check Card with
Cash Back Rewards
•Online Banking
•Mobile Banking
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Value-based strategy. People-centered approach.
“Building meaningful
relationships with our
customers has made us
the strong bank
we are today.”
-Chairman and CEO
George Gleason
In 1979, George Gleason had a vision to create a bank where people would genuinely want to do business. And today, that bank not only exists, it’s nationally recognized for providing safe, sound and secure banking solutions and customer service unmatched in the market place.
From the beginning, Mr. Gleason has instilled a personal commitment to excellence, fair dealing and exceptional customer service, and has built his team with individuals having the same mindset. The philosophy has always been to do what’s best for the customer; first by listening to and understanding their needs, and then by helping them find the best financial solutions.
This values-based strategy influences all the Bank’s decisions and has kept Bank of the Ozarks strong throughout the financial crisis of the mid- to late 2000s.
The Bank’s goal is not necessarily to be the largest financial institution – but to simply be the best one. Regardless of organizational size, we will always be deeply committed to developing friendships with our customers and relationships with the communities we serve. Our success is built upon our exceptional service to every customer, large and small – and we will keep that truth in focus as we build on our past.
1903
Newton County Bank chartered in Jasper, Arkansas
1937
Bank of Ozark chartered in Ozark, Arkansas
1979
Gleason purchases Bank of Ozark
1983
Gleason purchases Newton County Bank; assumes charter
1994
With five offices, launches de novo branching plan; changes name to Bank of the Ozarks
1995
Relocates headquarters to Little Rock, Arkansas
1997
Bank of the Ozarks, Inc., holds initial public stock offering (OZRK)
1998
Begins Central Arkansas expansion
2002
Becomes $1 billion organization based on assets
2003
Celebrates 100th anniversary
2004
Pushes de novo expansion into Texas with three offices
2005
Becomes $2 billion organization based on assets
2006
Opens 11 new offices, a Company record
2008
Becomes $3 billion organization based on assets Opens new headquarters in Little Rock, Arkansas
2009
Named second- and third-best performing bank in America by ABA Banking Journal and U.S. Banker
2010
Named second-best performing bank in America by Bank Director magazine George Gleason named Community Banker of the Year by American Banker magazine
2011 & 2012
Named best performing bank in America by ABA Banking Journal
Bank of the Ozarks by the Numbers
With a solid record of long-term growth in loans, deposits and earnings, Bank of the Ozarks has earned respect as a great place to do business – and build successful relationships. We are successful because we always remain focused on strong fundamentals of banking: great customer service, prudent lending practices and sound management.
•Ranked the top-performing bank in the U.S. by ABA Banking Journal (2011 & 2012)
•Rated as “well capitalized” – the highest available regulatory rating
•Publicly traded company on the NASDAQ Global Select Market, symbol OZRK
•Headquartered in Little Rock, Arkansas
•Chartered in March 1903, a 110-year heritage
•George Gleason named 2010 Community Banker of the Year by American Banker
Company Highlights
OFFICES ATMS ASSET SIZE 2012 NET INCOME
117 115 $4.04 billion* $77.0 million*
DEPOSITS TOTAL LOANS & LEASES TOTAL COMMON EQUITY
$3.10 billion* $2.75 billion* $508 million*
*As of December 31, 2012
Interested in learning more?
800-274-4482•bankozarks.com
You have a friend hereTM
ADDITIONAL INFORMATION
Bank of the Ozarks, Inc. (the “Company”) intends to file a registration statement on Form S-4, which will include a proxy statement/prospectus and other relevant materials in connection with the proposed merger transaction involving the Company, its subsidiary, Bank of the Ozarks, and The First National Bank of Shelby. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THIS FILING WHEN IT BECOMES AVAILABLE BECAUSE IT WILL CONTAIN IMPORTANT INFORMATION REGARDING THE PROPOSED MERGER TRANSACTION. Investors and security holders may obtain free copies of these documents and other documents filed with the Securities and Exchange Commission (the “SEC”) on the SEC’s website at http://www.sec.gov. Investors and security holders may also obtain free copies of the documents filed with the SEC by the Company at the Company’s website at http://www.bankozarks.com, Investor Relations, or by contacting Susan Blair, by telephone at (501) 978-2217.
