Central Bank of Lake of the Ozarks in city_name, state_name

Central Bank of Lake of the Ozarks in Osage Beach, Missouri (MO)
Show street view No street view available for this location

Central Bank of Lake of the Ozarks routing number info

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

No	ID	Name	Address	Established	Service Type
0	7050	Central Bank Of Lake Of The Ozarks	3848 Osage Beach Parkway, Osage Beach, MO 65065	September 27, 1906	Full Service Brick and Mortar
1	223542	Lake Ozark Branch	1860 Bagnell Dam Boulevard, Lake Ozark, MO 65049	November 26, 1973	Full Service Brick and Mortar
2	223543	Highway 54/State Route Kk Branch	6011 Hwy 54, Osage Beach, MO 65065	March 12, 1984	Limited Service Facility
5	223544	East Highway 54 Facility	170 East Highway 54, Camdenton, MO 65020	Febuary 20, 1990	Full Service Brick and Mortar
6	223545	East 54 Highway Branch	4252 Osage Beach Pkwy, Osage Beach, MO 65065	October 29, 1996	Full Service Retail
7	223546	Laurie Branch	101 Dogwood Lane, Laurie, MO 65038	December 29, 1997	Full Service Brick and Mortar
8	366102	Eldon Branch	611 East North Street, Eldon, MO 65026	October 01, 2002	Full Service Brick and Mortar
9	443007	Walmart Supercenter - Camdenton Bran	94 Cecil Street, Camdenton, MO 65020	April 13, 2005	Full Service Retail
10	493110	Www.Cbolobank.com Branch	2116 Nelwood Drive, Columbia, MO 65202	January 01, 2009	Full Service Cyber

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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