Ozark Mountain Bank in Branson, Missouri (MO)



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Ozark Mountain Bank
GeneralFDIC Certificate #: 16924
Status: Active
Federal Reserve ID: 576541
Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
Date Established: July 29, 1950
WWW: http://www.ozkmtnbank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 13039
FDIC's unique #: 11008
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: July 29, 1950
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
LocationAddress: 400 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $294.9 mil
Equity capital: $26.0 mil
Deposits held in domestic offices: $241.8 mil
Return on assets (ROA): 1.01% ($3.0 mil)
Quarterly return on assets: 0.91% ($2.7 mil)
Return on Equity (ROE): 12.17% ($3.2 mil)
Quarterly return on equity: 10.48% ($2.7 mil)
Net income: $3.1 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.50% ($4,422.8 mil)
Quarterly Pretax return on assets: 1.31% ($3,862.5 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)
Total employees (full-time equivalent)78
Total assets$294,850
Cash and due from depository institutions$26,678
Interest-bearing balances$22,354
Securities$55,718
Federal funds sold & reverse repurchase agreements$4,029
Net loans & leases$197,109
Loan loss allowance $4,574
Trading account assets$0
Bank premises and fixed assets$5,770
Other real estate owned$805
Goodwill and other intangibles$335
All other assets$4,406
Life insurance assets$294,850
Total liabilities and capital$268,802
Total liabilities$241,795
Total deposits$199,124
Interest-bearing deposits$241,795
Deposits held in domestic offices$82
% insured (estimated)26440.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $567
All other liabilities $26,048
Total equity capital$26,048
Total bank equity capital$26,048
Perpetual preferred stock$0
Common stock$1,200
Surplus$2,900
Undivided profits $21,948
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,289
Income earned, not collected on loans $3,049
Earning assets $13
Long-term assets (5+ years) $1,209
Average Assets, year-to-date $279,210
Average Assets, quarterly $59,315
Volatile liabilities $306,384
Insider loans $303,034
FHLB advances $224,365
Loans and leases held for sale $303,586
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,223
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $43,782
Derivatives$17,046
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,300
Total interest expense $1,629
Net interest income $11,671
Provision for loan and lease losses $1,114
Total noninterest income $3,457
Fiduciary activities $0
Service charges on deposit accounts $1,502
Trading account gains & fees $0
Additional noninterest income $1,955
Total noninterest expense $9,402
Salaries and employee benefits $4,194
Premises and equipment expense $1,090
Additional noninterest expense $4,118
Pre-tax net operating income $4,612
Securities gains (losses) -$12
Applicable income taxes $1,499
Income before extraordinary items $3,101
Extraordinary gains - net $0
Net income attributable to bank $3,101
Net charge-offs $0
Cash dividends $3,101
Sale, conversion, retirement of capital stock, net $1,109
Net operating income $2,550
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.58%
Cost of funding earning assets 0.56%
Net interest margin 4.02%
Noninterest income to earning assets 1.19%
Noninterest expense to earning assets 3.24%
Net operating income to assets 1.01%
Return on assets (ROA) 1.01%
Pretax return on assets 1.50%
Return on equity (ROE) 12.17%
Retained earnings to average equity (YTD only) 2.16%
Net charge-offs to loans 0.54%
Credit loss provision to net charge-offs 100.45%
Efficiency ratio5.16%
Assets per employee$62,150
Cash dividends to net income (YTD only)3.78%
Condition Ratios (%)
Loss allowance to loans 82.23%
Loss allowance to noncurrent loans 2.27%
Noncurrent assets plus other real estate owned to assets 150.02%
Noncurrent loans to loans 1.31%
Net loans and leases to deposits1.51%
Net loans and leases to core deposits 81.52%
Equity capital to assets 86.83%
Core capital (leverage) ratio 8.83%
Tier 1 risk-based capital ratio 8.31%
Total risk-based capital ratio 11.24%
Memoranda
Average assets$13
Average earning assets$306,384
Average equity $25,471
Average loans $290,170
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7 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011008Ozark Mountain Bank400 South Commercial Street, Branson, MO 65616July 29, 1950Full Service Brick and Mortar
3239535Motor Bank West Branch302 S Hwy 165, Branson, MO 65616August 25, 1975Limited Service Facility
5239537Fall Creek Branch388 Wildwood Drive, Branson, MO 65616September 27, 1994Limited Service Facility
6239538Cedar Ridge Facility1115 James F. Epps Road, Branson, MO 65616May 15, 1995Full Service Brick and Mortar
7239539Branson West FacilityHighway 13 And 76, Branson, MO 65737January 21, 1997Limited Service Facility
8452631Hollister Bank Office710 Birch Street, Hollister, MO 65672November 22, 2005Full Service Brick and Mortar
9511452Web Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber
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