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

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Central Bank of Lake of the Ozarks
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)128
Total assets$502,066
Cash and due from depository institutions$26,755
Interest-bearing balances$19,485
Federal funds sold & reverse repurchase agreements$1,360
Net loans & leases$363,660
Loan loss allowance $9,038
Trading account assets$0
Bank premises and fixed assets$9,845
Other real estate owned$1,786
Goodwill and other intangibles$2,378
All other assets$7,736
Life insurance assets$502,066
Total liabilities and capital$460,169
Total liabilities$445,274
Total deposits$343,491
Interest-bearing deposits$445,274
Deposits held in domestic offices$87
% insured (estimated)10962.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,425
Other borrowed funds $0
Subordinated debt $1,508
All other liabilities $41,897
Total equity capital$41,897
Total bank equity capital$41,897
Perpetual preferred stock$0
Common stock$1,050
Undivided profits $39,091
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,778
Income earned, not collected on loans $5,563
Earning assets $66
Long-term assets (5+ years) $1,855
Average Assets, year-to-date $473,051
Average Assets, quarterly $66,242
Volatile liabilities $503,979
Insider loans $509,183
FHLB advances $380,230
Loans and leases held for sale $505,297
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $41,098
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $72,403
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $25,649
Total interest expense $2,567
Net interest income $23,082
Provision for loan and lease losses $3,815
Total noninterest income $7,887
Fiduciary activities $0
Service charges on deposit accounts $2,737
Trading account gains & fees $0
Additional noninterest income $5,150
Total noninterest expense $17,339
Salaries and employee benefits $7,469
Premises and equipment expense $2,196
Additional noninterest expense $7,674
Pre-tax net operating income $9,815
Securities gains (losses) $0
Applicable income taxes $3,467
Income before extraordinary items $6,348
Extraordinary gains - net $0
Net income attributable to bank $6,348
Net charge-offs $0
Cash dividends $6,348
Sale, conversion, retirement of capital stock, net $3,498
Net operating income $4,700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.40%
Cost of funding earning assets 0.54%
Net interest margin 4.86%
Noninterest income to earning assets 1.66%
Noninterest expense to earning assets 3.65%
Net operating income to assets 1.26%
Return on assets (ROA) 1.26%
Pretax return on assets 1.95%
Return on equity (ROE) 15.52%
Retained earnings to average equity (YTD only) 4.03%
Net charge-offs to loans 0.91%
Credit loss provision to net charge-offs 109.06%
Efficiency ratio3.90%
Assets per employee$55,988
Cash dividends to net income (YTD only)3.92%
Condition Ratios (%)
Loss allowance to loans 74.04%
Loss allowance to noncurrent loans 2.43%
Noncurrent assets plus other real estate owned to assets 162.47%
Noncurrent loans to loans 1.46%
Net loans and leases to deposits1.49%
Net loans and leases to core deposits 81.67%
Equity capital to assets 102.27%
Core capital (leverage) ratio 8.34%
Tier 1 risk-based capital ratio 8.13%
Total risk-based capital ratio 10.81%
Average assets$12
Average earning assets$503,979
Average equity $40,892
Average loans $474,678
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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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