Community Bank of the Ozarks in Sunrise Beach, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of the Ozarks - Overview

  • General
  • FDIC Certificate #: 27331
    Status: Active
    Federal Reserve ID: 1216808
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Of The Ozarks, Inc. (RSSDID: 1250914, Location: Sunrise Beach, MO)
    Date Established: September 01, 1988
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 39590
    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: September 01, 1988
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Highway 5 And Lake Road F, Sunrise Beach, MO 65079
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $49.2 mil
    Equity capital: $2.1 mil
    Deposits held in domestic offices: $46.9 mil
    Return on assets (ROA): -2.43% (-$1.2 mil)
    Quarterly return on assets: -2.26% (-$1.1 mil)
    Return on Equity (ROE): -48.11% (-$1.0 mil)
    Quarterly return on equity: -51.73% (-$1.0 mil)
    Net income: -$1.4 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -2.43% (-$1,195.0 mil)
    Quarterly Pretax return on assets: -2.26% (-$1,111.4 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
  • 25Total employees (full-time equivalent)
  • $49,177Total assets
  • $2,598Cash and due from depository institutions
  • $2,038Interest-bearing balances
  • $3,880Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,253Net loans & leases
  • $1,391Loan loss allowance
  • $0Trading account assets
  • $805Bank premises and fixed assets
  • $12,564Other real estate owned
  • $11Goodwill and other intangibles
  • $49,177Life insurance assets
  • $1,066All other assets
  • $47,083Total liabilities and capital
  • $46,891Total liabilities
  • $43,669Total deposits
  • $46,891Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $192Subordinated debt
  • $2,094All other liabilities
  • $2,094Total equity capital
  • $2,094Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,833Surplus
  • $-1,039Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,794Income earned, not collected on loans
  • $0Earning assets
  • $190Long-term assets (5+ years)
  • $34,171Average Assets, year-to-date
  • $5,628Average Assets, quarterly
  • $55,675Volatile liabilities
  • $51,327Insider loans
  • $44,287FHLB advances
  • $51,532Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,062Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $449Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,291Total interest income
  • $653Total interest expense
  • $1,638Net interest income
  • $560Provision for loan and lease losses
  • $231Total noninterest income
  • $0Fiduciary activities
  • $132Service charges on deposit accounts
  • $0Trading account gains & fees
  • $99Additional noninterest income
  • $2,742Total noninterest expense
  • $1,049Salaries and employee benefits
  • $356Premises and equipment expense
  • $1,337Additional noninterest expense
  • -$1,433Pre-tax net operating income
  • $79Securities gains (losses)
  • $0Applicable income taxes
  • -$1,354Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,354Net income attributable to bank
  • $0Net charge-offs
  • -$1,354Cash dividends
  • $497Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.56%Yield on earning assets
  • 1.58%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 6.65%Noninterest expense to earning assets
  • -2.57%Net operating income to assets
  • -2.43%Return on assets (ROA)
  • -2.43%Pretax return on assets
  • -48.11%Return on equity (ROE)
  • -48.11%Retained earnings to average equity (YTD only)
  • 1.53%Net charge-offs to loans
  • 112.68%Credit loss provision to net charge-offs
  • -1.76%Efficiency ratio
  • 146,709Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.69%Loss allowance to noncurrent loans
  • 36.66%Noncurrent assets plus other real estate owned to assets
  • 33.26%Noncurrent loans to loans
  • 12.80%Net loans and leases to deposits
  • 60.25%Net loans and leases to core deposits
  • 63.34%Equity capital to assets
  • 4.26%Core capital (leverage) ratio
  • 4.00%Tier 1 risk-based capital ratio
  • 4.66%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $55,675Average earning assets
  • $2,814Average equity
  • $41,218Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039590Community Bank Of The OzarksHighway 5 And Lake Road F, Sunrise Beach, MO 65079September 01, 1988Full Service Brick and Mortar
    3261737Pleasant Hope Branch514 South Main, Pleasant Hope, MO 65725June 12, 1996Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community Bank of the Ozarks.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents