Century Bank of the Ozarks in Gainesville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Century Bank of the Ozarks - Overview

  • General
  • FDIC Certificate #: 8296
    Status: Active
    Federal Reserve ID: 904359
    Bank Holding Company (Regulatory Top Holder): Century Bancshares, Inc. (RSSDID: 1095469, Location: Gainesville, MO)
    Date Established: July 24, 1894
    WWW: http://www.cbozarks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14022
    FDIC's unique #: 5295
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 03, 2010
    Last Structure Change Process Date: June 03, 2010
    Last Data Update: June 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 39 Court Square, Gainesville, MO 65655
    County: Ozark
    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
  • Financial Summary
  • Total assets: $170.0 mil
    Equity capital: $15.8 mil
    Deposits held in domestic offices: $150.3 mil
    Return on assets (ROA): 1.90% ($3.2 mil)
    Quarterly return on assets: 1.95% ($3.3 mil)
    Return on Equity (ROE): 20.72% ($3.3 mil)
    Quarterly return on equity: 20.75% ($3.3 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.90% ($3,230.8 mil)
    Quarterly Pretax return on assets: 1.95% ($3,315.8 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
  • 58Total employees (full-time equivalent)
  • $170,040Total assets
  • $7,875Cash and due from depository institutions
  • $4,604Interest-bearing balances
  • $13,556Securities
  • $8,183Federal funds sold & reverse repurchase agreements
  • $127,430Net loans & leases
  • $2,457Loan loss allowance
  • $0Trading account assets
  • $3,643Bank premises and fixed assets
  • $774Other real estate owned
  • $634Goodwill and other intangibles
  • $170,040Life insurance assets
  • $7,945All other assets
  • $154,215Total liabilities and capital
  • $150,262Total liabilities
  • $129,980Total deposits
  • $150,262Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $1,453Subordinated debt
  • $15,825All other liabilities
  • $15,825Total equity capital
  • $15,825Total bank equity capital
  • $0Perpetual preferred stock
  • $431Common stock
  • $4,653Surplus
  • $10,741Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,575Income earned, not collected on loans
  • $0Earning assets
  • $1,407Long-term assets (5+ years)
  • $153,773Average Assets, year-to-date
  • $10,536Average Assets, quarterly
  • $169,217Volatile liabilities
  • $168,019Insider loans
  • $122,558FHLB advances
  • $165,815Loans and leases held for sale
  • $5,314Unused loan commitments
  • $5,314Tier 1 (core) risk-based capital
  • $14,927Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,677Restructured Loans and leases
  • $1,459Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,097Total interest income
  • $1,615Total interest expense
  • $7,482Net interest income
  • $420Provision for loan and lease losses
  • $1,320Total noninterest income
  • $0Fiduciary activities
  • $723Service charges on deposit accounts
  • $0Trading account gains & fees
  • $597Additional noninterest income
  • $5,170Total noninterest expense
  • $3,147Salaries and employee benefits
  • $924Premises and equipment expense
  • $1,099Additional noninterest expense
  • $3,212Pre-tax net operating income
  • $6Securities gains (losses)
  • $0Applicable income taxes
  • $3,218Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,218Net income attributable to bank
  • $0Net charge-offs
  • $3,218Cash dividends
  • $235Sale, conversion, retirement of capital stock, net
  • $2,622Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.93%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.88%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 1.90%Net operating income to assets
  • 1.90%Return on assets (ROA)
  • 1.90%Pretax return on assets
  • 20.72%Return on equity (ROE)
  • 3.84%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 178.72%Credit loss provision to net charge-offs
  • 15.46%Efficiency ratio
  • 58,737Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.48%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 156.00%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 84.81%Net loans and leases to core deposits
  • 87.89%Equity capital to assets
  • 9.31%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 12.18%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $169,217Average earning assets
  • $15,530Average equity
  • $153,297Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05295Century Bank Of The Ozarks39 Court Square, Gainesville, MO 65655July 24, 1894Full Service Brick and Mortar
    1218263Theodosia FacilityWest 160 Highway, Theodosia, MO 65761June 23, 1978Full Service Brick and Mortar
    2218264Bakersfield Branch295 West Side North Main, Bakersfield, MO 65609Febuary 28, 1983Full Service Brick and Mortar
    416811Ava Branch1004 North West 12th Avenue, Ava, MO 65608October 26, 1982Full Service Brick and Mortar

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