Douglas County Bank in Ava, Missouri (MO)

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Douglas County Bank
GeneralFDIC Certificate #: 24113
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Century Bank of the Ozarks (#8296)
Federal Reserve ID: 812744
Date Established: October 26, 1982
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 16811
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: October 26, 1982
Last Structure Change Effective Date: November 22, 1996
Last Structure Change Process Date: December 02, 1996
Last Data Update: December 02, 1996
Data Source Date: April 05, 2012
LocationAddress: 1004 N.W. Twelfth Street, Ava, MO 65608
County: Douglas
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 SummaryTotal assets: $33.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$15
Cash and due from depository institutions$33,314
Interest-bearing balances$1,233
Federal funds sold & reverse repurchase agreements$11,498
Net loans & leases$2,150
Loan loss allowance $15,900
Trading account assets$229
Bank premises and fixed assets$0
Other real estate owned$975
Goodwill and other intangibles$0
All other assets$1,074
Life insurance assets$484
Total liabilities and capital$0
Total liabilities$33,314
Total deposits$29,358
Interest-bearing deposits$27,578
Deposits held in domestic offices$25,458
% insured (estimated)27578.00%
Federal funds purchased & repurchase agreements $93
Trading liabilities$1,370
Other borrowed funds $0
Subordinated debt $0
All other liabilities $0
Total equity capital$410
Total bank equity capital$410
Perpetual preferred stock$3,956
Common stock$0
Undivided profits $2,952
Noncurrent loans and leases $273
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $66
Earning assets $196
Long-term assets (5+ years) $29,648
Average Assets, year-to-date $1,133
Average Assets, quarterly $31,094
Volatile liabilities $32,226
Insider loans $3,452
FHLB advances $32
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $1,209
Tier 2 risk-based capital $0
Total risk weighted assets $2,777
Total unused commitments $16,154
Restructured Loans and leases $0
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Income and Expense (December 31, 1995)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $1,556
Net interest income $774
Provision for loan and lease losses $782
Total noninterest income $11
Fiduciary activities $76
Service charges on deposit accounts $0
Trading account gains & fees $59
Additional noninterest income $0
Total noninterest expense $17
Salaries and employee benefits $545
Premises and equipment expense $235
Additional noninterest expense $86
Pre-tax net operating income $224
Securities gains (losses) $302
Applicable income taxes -$17
Income before extraordinary items $117
Extraordinary gains - net $168
Net income attributable to bank $0
Net charge-offs $168
Cash dividends $52
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 1995)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 5.55%
Net interest margin 2.76%
Noninterest income to earning assets 2.79%
Noninterest expense to earning assets 0.27%
Net operating income to assets 1.94%
Return on assets (ROA) 0.58%
Pretax return on assets 0.54%
Return on equity (ROE) 0.92%
Retained earnings to average equity (YTD only) 5.22%
Net charge-offs to loans 5.22%
Credit loss provision to net charge-offs 0.31%
Efficiency ratio21.15%
Assets per employee$57,576
Cash dividends to net income (YTD only)2.22%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.42%
Noncurrent assets plus other real estate owned to assets 346.97%
Noncurrent loans to loans 0.20%
Net loans and leases to deposits0.41%
Net loans and leases to core deposits 57.65%
Equity capital to assets 62.36%
Core capital (leverage) ratio 11.87%
Tier 1 risk-based capital ratio 9.06%
Total risk-based capital ratio 17.19%
Average assets$18
Average earning assets$31,094
Average equity $3,217
Average loans $28,050
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