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
    WWW: http://www.cbobanker.com
    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

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