Central Bank of Lake of the Ozarks in Osage Beach, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Central Bank of Lake of the Ozarks in Osage Beach, Missouri (MO)
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Central Bank of Lake of the Ozarks - Overview

  • General
  • FDIC Certificate #: 11000
    Status: Active
    Federal Reserve ID: 1015243
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: September 27, 1906
    WWW: http://www.cbolobank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 12049
    FDIC's unique #: 7050
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2011
    Last Structure Change Process Date: April 06, 2011
    Last Data Update: April 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3848 Osage Beach Parkway, Osage Beach, MO 65065
    County: Camden
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $502.1 mil
    Equity capital: $41.9 mil
    Deposits held in domestic offices: $445.3 mil
    Return on assets (ROA): 1.26% ($6.3 mil)
    Quarterly return on assets: 1.13% ($5.7 mil)
    Return on Equity (ROE): 15.52% ($6.5 mil)
    Quarterly return on equity: 13.75% ($5.8 mil)
    Net income: $6.3 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.95% ($9,790.3 mil)
    Quarterly Pretax return on assets: 1.71% ($8,585.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 128Total employees (full-time equivalent)
  • $502,066Total assets
  • $26,755Cash and due from depository institutions
  • $19,485Interest-bearing balances
  • $88,546Securities
  • $1,360Federal funds sold & reverse repurchase agreements
  • $363,660Net loans & leases
  • $9,038Loan loss allowance
  • $0Trading account assets
  • $9,845Bank premises and fixed assets
  • $1,786Other real estate owned
  • $2,378Goodwill and other intangibles
  • $502,066Life insurance assets
  • $7,736All other assets
  • $460,169Total liabilities and capital
  • $445,274Total liabilities
  • $343,491Total deposits
  • $445,274Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 10962.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,425Trading liabilities
  • $0Other borrowed funds
  • $1,508Subordinated debt
  • $41,897All other liabilities
  • $41,897Total equity capital
  • $41,897Total bank equity capital
  • $0Perpetual preferred stock
  • $1,050Common stock
  • $1,756Surplus
  • $39,091Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,778Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,563Income earned, not collected on loans
  • $66Earning assets
  • $1,855Long-term assets (5+ years)
  • $473,051Average Assets, year-to-date
  • $66,242Average Assets, quarterly
  • $503,979Volatile liabilities
  • $509,183Insider loans
  • $380,230FHLB advances
  • $505,297Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $72,403Restructured Loans and leases
  • $2,465Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,649Total interest income
  • $2,567Total interest expense
  • $23,082Net interest income
  • $3,815Provision for loan and lease losses
  • $7,887Total noninterest income
  • $0Fiduciary activities
  • $2,737Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,150Additional noninterest income
  • $17,339Total noninterest expense
  • $7,469Salaries and employee benefits
  • $2,196Premises and equipment expense
  • $7,674Additional noninterest expense
  • $9,815Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,467Applicable income taxes
  • $6,348Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,348Net income attributable to bank
  • $0Net charge-offs
  • $6,348Cash dividends
  • $3,498Sale, conversion, retirement of capital stock, net
  • $4,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 4.86%Net interest margin
  • 1.66%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 15.52%Return on equity (ROE)
  • 4.03%Retained earnings to average equity (YTD only)
  • 0.91%Net charge-offs to loans
  • 109.06%Credit loss provision to net charge-offs
  • 3.90%Efficiency ratio
  • 55,988Assets per employee
  • 3.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.04%Loss allowance to loans
  • 2.43%Loss allowance to noncurrent loans
  • 162.47%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 81.67%Net loans and leases to core deposits
  • 102.27%Equity capital to assets
  • 8.34%Core capital (leverage) ratio
  • 8.13%Tier 1 risk-based capital ratio
  • 10.81%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $503,979Average earning assets
  • $40,892Average equity
  • $474,678Average loans

List of branches

  • 9 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07050Central Bank Of Lake Of The Ozarks3848 Osage Beach Parkway, Osage Beach, MO 65065September 27, 1906Full Service Brick and Mortar
    1223542Lake Ozark Branch1860 Bagnell Dam Boulevard, Lake Ozark, MO 65049November 26, 1973Full Service Brick and Mortar
    2223543Highway 54/State Route Kk Branch6011 Hwy 54, Osage Beach, MO 65065March 12, 1984Limited Service Facility
    5223544East Highway 54 Facility170 East Highway 54, Camdenton, MO 65020Febuary 20, 1990Full Service Brick and Mortar
    6223545East 54 Highway Branch4252 Osage Beach Pkwy, Osage Beach, MO 65065October 29, 1996Full Service Retail
    7223546Laurie Branch101 Dogwood Lane, Laurie, MO 65038December 29, 1997Full Service Brick and Mortar
    8366102Eldon Branch611 East North Street, Eldon, MO 65026October 01, 2002Full Service Brick and Mortar
    9443007Walmart Supercenter - Camdenton Bran94 Cecil Street, Camdenton, MO 65020April 13, 2005Full Service Retail
    10493110Www.Cbolobank.com Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber

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