Bank of the Ozarks, Inc. owns a state-chartered subsidiary bank, Bank of the Ozarks (the Bank), which conducts banking operations through 33 banking offices in 22 communities throughout northern, western and central Arkansas, as well as through four loan production offices. The Company also owns Ozark Capital Trust, a business trust. The Company provides a wide range of retail and commercial banking services. Deposit services include checking, savings, money market, time deposit and individual retirement accounts (IRAs). Loan services include various types of real estate, consumer, commercial, industrial and agricultural loans. The Company also provides mortgage lending, cash management, trust services, safety deposit boxes, real estate appraisals, credit-related life and disability insurance, automated teller machines (ATMs), telephone banking, Internet banking and debit cards.