Ozark Bank in Ozark, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Ozark Bank - Overview

  • General
  • FDIC Certificate #: 1654
    Status: Active
    Federal Reserve ID: 882952
    Date Established: September 25, 1906
    WWW: http://www.ozarkbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14406
    FDIC's unique #: 1089
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 04, 2007
    Last Structure Change Process Date: June 13, 2007
    Last Data Update: June 13, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 106-112 North 2nd Avenue, Ozark, MO 65721
    County: Christian
    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
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $211.1 mil
    Equity capital: $24.7 mil
    Deposits held in domestic offices: $180.8 mil
    Return on assets (ROA): 0.43% ($0.9 mil)
    Quarterly return on assets: 0.43% ($0.9 mil)
    Return on Equity (ROE): 3.43% ($0.9 mil)
    Quarterly return on equity: 3.44% ($0.9 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.43% ($907.9 mil)
    Quarterly Pretax return on assets: 0.45% ($950.2 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
  • 59Total employees (full-time equivalent)
  • $211,148Total assets
  • $35,436Cash and due from depository institutions
  • $32,010Interest-bearing balances
  • $64,975Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $102,119Net loans & leases
  • $1,240Loan loss allowance
  • $0Trading account assets
  • $2,895Bank premises and fixed assets
  • $2,568Other real estate owned
  • $0Goodwill and other intangibles
  • $211,148Life insurance assets
  • $3,155All other assets
  • $186,425Total liabilities and capital
  • $180,844Total liabilities
  • $167,897Total deposits
  • $180,844Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 403.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,800Trading liabilities
  • $0Other borrowed funds
  • $378Subordinated debt
  • $24,723All other liabilities
  • $24,723Total equity capital
  • $24,723Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,500Surplus
  • $22,723Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $568Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,068Income earned, not collected on loans
  • $0Earning assets
  • $765Long-term assets (5+ years)
  • $199,104Average Assets, year-to-date
  • $61,860Average Assets, quarterly
  • $194,261Volatile liabilities
  • $195,911Insider loans
  • $107,933FHLB advances
  • $190,827Loans and leases held for sale
  • $1,054Unused loan commitments
  • $1,054Tier 1 (core) risk-based capital
  • $22,604Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,286Restructured Loans and leases
  • $65Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,190Total interest income
  • $1,275Total interest expense
  • $5,915Net interest income
  • $665Provision for loan and lease losses
  • $949Total noninterest income
  • $0Fiduciary activities
  • $655Service charges on deposit accounts
  • $0Trading account gains & fees
  • $294Additional noninterest income
  • $5,361Total noninterest expense
  • $3,449Salaries and employee benefits
  • $524Premises and equipment expense
  • $1,388Additional noninterest expense
  • $838Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $830Income before extraordinary items
  • $0Extraordinary gains - net
  • $830Net income attributable to bank
  • $0Net charge-offs
  • $830Cash dividends
  • $1,144Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 3.43%Return on equity (ROE)
  • 3.43%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 58.13%Credit loss provision to net charge-offs
  • 1.31%Efficiency ratio
  • 78,103Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 116.10%Noncurrent assets plus other real estate owned to assets
  • 1.72%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 56.47%Net loans and leases to core deposits
  • 60.06%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 11.85%Tier 1 risk-based capital ratio
  • 20.94%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $194,261Average earning assets
  • $24,181Average equity
  • $180,612Average loans

Total Fiduciary and Related Assets (December 31, 2002)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $16Managed Assets
  • 1Number of Accounts
  • $16Personal trust and agency accounts
  • $16Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01089Ozark Bank106-112 North 2nd Avenue, Ozark, MO 65721September 25, 1906Full Service Brick and Mortar
    1189962Drive-In BranchState Highway 14, Ozark, MO 65721May 15, 1972Full Service Brick and Mortar
    2189963Ozark Branch1351 West State Highway Nn, Ozark, MO 65721November 14, 1988Full Service Brick and Mortar
    4189965Nixa Facility410 Massey Boulevard, Nixa, MO 65714Febuary 06, 1992Full Service Brick and Mortar

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