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

  • First Community Bank of the Ozarks in Branson, Missouri (MO)
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First Community Bank of the Ozarks - Overview

  • General
  • FDIC Certificate #: 33832
    Status: Active
    Federal Reserve ID: 2107341
    Bank Holding Company (Regulatory Top Holder): M & L Holding Company (RSSDID: 2011765, Location: Branson, MO)
    Date Established: October 01, 1993
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 48139
    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: October 01, 1993
    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: 121 South Commercial Street, Branson, MO 65616
    County: Taney
    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
    Core Based Statistical Area (CBSA): Branson, MO (#14700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $100.2 mil
    Equity capital: $4.8 mil
    Deposits held in domestic offices: $88.0 mil
    Return on assets (ROA): -1.77% (-$1.8 mil)
    Quarterly return on assets: -0.52% (-$0.5 mil)
    Return on Equity (ROE): -34.31% (-$1.7 mil)
    Quarterly return on equity: -10.46% (-$0.5 mil)
    Net income: -$1.8 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -2.74% (-$2,744.3 mil)
    Quarterly Pretax return on assets: -0.84% (-$841.3 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
  • 36Total employees (full-time equivalent)
  • $100,158Total assets
  • $17,797Cash and due from depository institutions
  • $16,039Interest-bearing balances
  • $13,194Securities
  • $600Federal funds sold & reverse repurchase agreements
  • $58,232Net loans & leases
  • $2,749Loan loss allowance
  • $0Trading account assets
  • $4,004Bank premises and fixed assets
  • $1,635Other real estate owned
  • $0Goodwill and other intangibles
  • $100,158Life insurance assets
  • $4,696All other assets
  • $95,372Total liabilities and capital
  • $87,993Total liabilities
  • $80,105Total deposits
  • $87,993Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 6408.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $971Subordinated debt
  • $4,786All other liabilities
  • $4,786Total equity capital
  • $4,786Total bank equity capital
  • $0Perpetual preferred stock
  • $1,558Common stock
  • $5,123Surplus
  • $-1,895Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,624Income earned, not collected on loans
  • $0Earning assets
  • $252Long-term assets (5+ years)
  • $88,065Average Assets, year-to-date
  • $8,683Average Assets, quarterly
  • $100,471Volatile liabilities
  • $98,400Insider loans
  • $67,492FHLB advances
  • $95,869Loans and leases held for sale
  • $2,342Unused loan commitments
  • $1,872Tier 1 (core) risk-based capital
  • $3,259Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $470Total unused commitments
  • $2,140Restructured Loans and leases
  • $2,353Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,125Total interest income
  • $817Total interest expense
  • $3,308Net interest income
  • $1,622Provision for loan and lease losses
  • $767Total noninterest income
  • $0Fiduciary activities
  • $233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $534Additional noninterest income
  • $5,209Total noninterest expense
  • $2,295Salaries and employee benefits
  • $580Premises and equipment expense
  • $2,334Additional noninterest expense
  • -$2,756Pre-tax net operating income
  • $0Securities gains (losses)
  • -$973Applicable income taxes
  • -$1,783Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,783Net income attributable to bank
  • $0Net charge-offs
  • -$1,783Cash dividends
  • $500Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 5.93%Noninterest expense to earning assets
  • -1.77%Net operating income to assets
  • -1.77%Return on assets (ROA)
  • -2.74%Pretax return on assets
  • -34.31%Return on equity (ROE)
  • -34.31%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 324.40%Credit loss provision to net charge-offs
  • -2.27%Efficiency ratio
  • 127,828Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.51%Loss allowance to noncurrent loans
  • 48.88%Noncurrent assets plus other real estate owned to assets
  • 7.25%Noncurrent loans to loans
  • 9.22%Net loans and leases to deposits
  • 66.18%Net loans and leases to core deposits
  • 69.54%Equity capital to assets
  • 4.78%Core capital (leverage) ratio
  • 3.40%Tier 1 risk-based capital ratio
  • 4.83%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $100,471Average earning assets
  • $5,197Average equity
  • $87,820Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048139First Community Bank Of The Ozarks121 South Commercial Street, Branson, MO 65616October 01, 1993Full Service Brick and Mortar
    1289965Forsyth Branch15261 U.S. Highway 160, Forsyth, MO 65653January 05, 1998Full Service Brick and Mortar
    3440482First Community Bank Of The Ozarks -125 Financial Drive, Hollister, MO 65672May 06, 2005Full Service Brick and Mortar
    4501271First Community Bank Of The Ozarks -931 State Highway 248, Branson, MO 65616January 19, 2010Full Service Brick and Mortar

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