Ozarks Federal Savings and Loan Association in Farmington, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Ozarks Federal Savings and Loan Association in Farmington, Missouri (MO)
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Ozarks Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28277
    Status: Active
    Federal Reserve ID: 1016174
    Date Established: January 01, 1930
    WWW: http://www.ozarksfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 1283
    FDIC's unique #: 41111
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 03, 1934
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 East Columbia, Farmington, MO 63640
    County: St. Francois
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): Farmington, MO (#22100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $230.5 mil
    Equity capital: $27.8 mil
    Deposits held in domestic offices: $199.0 mil
    Return on assets (ROA): 0.39% ($0.9 mil)
    Quarterly return on assets: 0.54% ($1.2 mil)
    Return on Equity (ROE): 3.33% ($0.9 mil)
    Quarterly return on equity: 4.49% ($1.3 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.62% ($1,428.8 mil)
    Quarterly Pretax return on assets: 0.81% ($1,866.7 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
  • 49Total employees (full-time equivalent)
  • $230,455Total assets
  • $38,700Cash and due from depository institutions
  • $35,958Interest-bearing balances
  • $21,136Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $153,221Net loans & leases
  • $1,838Loan loss allowance
  • $0Trading account assets
  • $5,170Bank premises and fixed assets
  • $1,863Other real estate owned
  • $40Goodwill and other intangibles
  • $230,455Life insurance assets
  • $10,325All other assets
  • $202,612Total liabilities and capital
  • $199,033Total liabilities
  • $196,472Total deposits
  • $199,033Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,300Trading liabilities
  • $0Other borrowed funds
  • $1,279Subordinated debt
  • $27,843All other liabilities
  • $27,843Total equity capital
  • $27,843Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $27,843Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,851Income earned, not collected on loans
  • $0Earning assets
  • $717Long-term assets (5+ years)
  • $210,315Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $231,152Volatile liabilities
  • $230,605Insider loans
  • $133,541FHLB advances
  • $230,190Loans and leases held for sale
  • $4,357Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $28,156Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,644Restructured Loans and leases
  • $1,179Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,638Total interest income
  • $3,088Total interest expense
  • $6,550Net interest income
  • $500Provision for loan and lease losses
  • $549Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $549Additional noninterest income
  • $5,163Total noninterest expense
  • $3,010Salaries and employee benefits
  • $1,060Premises and equipment expense
  • $1,093Additional noninterest expense
  • $1,436Pre-tax net operating income
  • $0Securities gains (losses)
  • $532Applicable income taxes
  • $904Income before extraordinary items
  • $0Extraordinary gains - net
  • $904Net income attributable to bank
  • $0Net charge-offs
  • $904Cash dividends
  • $228Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.45%Cost of funding earning assets
  • 3.08%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 3.33%Return on equity (ROE)
  • 3.33%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 219.30%Credit loss provision to net charge-offs
  • 8.49%Efficiency ratio
  • 72,461Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 64.47%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 1.84%Net loans and leases to deposits
  • 76.98%Net loans and leases to core deposits
  • 80.32%Equity capital to assets
  • 12.08%Core capital (leverage) ratio
  • 12.55%Tier 1 risk-based capital ratio
  • 21.08%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $231,152Average earning assets
  • $27,115Average equity
  • $212,670Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041111Ozarks Federal Savings And Loan Asso2 East Columbia, Farmington, MO 63640January 01, 1930Full Service Brick and Mortar
    1266420643 North Creek Drive Branch643 North Creek Drive, Festus, MO 63028January 01, 1930Full Service Brick and Mortar
    22664211 Walton Drive Branch1 Walton Drive, Potosi, MO 63664January 01, 1930Full Service Brick and Mortar
    3266422211 S Main Street Branch211 South Main Street, Ironton, MO 63650January 01, 1930Full Service Brick and Mortar
    4266423217 West Main Branch217 West Main, Fredericktown, MO 63645January 01, 1930Full Service Brick and Mortar

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