Peoples Bank of the Ozarks in Nixa, Missouri (MO)

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Table of contents:
Peoples Bank of the Ozarks
GeneralFDIC Certificate #: 1650
Status: Active
Federal Reserve ID: 417149
Bank Holding Company (Regulatory Top Holder): Peoples Service Company (RSSDID: 2700368, Location: Nixa, MO)
Date Established: April 16, 1917
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 13037
FDIC's unique #: 1085
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: January 01, 1934
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: 307 West Mt. Vernon Street, Nixa, MO 65714
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $284.8 mil
Equity capital: $27.9 mil
Deposits held in domestic offices: $237.1 mil
Return on assets (ROA): -0.13% (-$0.4 mil)
Quarterly return on assets: 0.07% ($0.2 mil)
Return on Equity (ROE): -1.37% (-$0.4 mil)
Quarterly return on equity: 0.69% ($0.2 mil)
Net income: -$0.4 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: -0.22% (-$626.6 mil)
Quarterly Pretax return on assets: 0.07% ($199.4 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)103
Total assets$284,829
Cash and due from depository institutions$23,288
Interest-bearing balances$18,570
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$221,539
Loan loss allowance $6,253
Trading account assets$0
Bank premises and fixed assets$11,511
Other real estate owned$5,123
Goodwill and other intangibles$0
All other assets$5,428
Life insurance assets$284,829
Total liabilities and capital$256,885
Total liabilities$237,089
Total deposits$200,855
Interest-bearing deposits$237,089
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$19,000
Other borrowed funds $0
Subordinated debt $796
All other liabilities $27,944
Total equity capital$27,944
Total bank equity capital$27,944
Perpetual preferred stock$0
Common stock$884
Undivided profits $20,439
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,050
Earning assets $0
Long-term assets (5+ years) $903
Average Assets, year-to-date $258,049
Average Assets, quarterly $29,595
Volatile liabilities $297,176
Insider loans $288,506
FHLB advances $218,786
Loans and leases held for sale $289,256
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $27,626
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,835
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,477
Total interest expense $4,118
Net interest income $10,359
Provision for loan and lease losses $4,660
Total noninterest income $1,830
Fiduciary activities $0
Service charges on deposit accounts $525
Trading account gains & fees $0
Additional noninterest income $1,305
Total noninterest expense $8,189
Salaries and employee benefits $4,586
Premises and equipment expense $1,533
Additional noninterest expense $2,070
Pre-tax net operating income -$660
Securities gains (losses) $0
Applicable income taxes -$273
Income before extraordinary items -$387
Extraordinary gains - net $0
Net income attributable to bank -$387
Net charge-offs $0
Cash dividends -$387
Sale, conversion, retirement of capital stock, net $3,650
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 1.53%
Net interest margin 3.84%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 3.04%
Net operating income to assets -0.13%
Return on assets (ROA) -0.13%
Pretax return on assets -0.22%
Return on equity (ROE) -1.37%
Retained earnings to average equity (YTD only) -1.37%
Net charge-offs to loans 1.53%
Credit loss provision to net charge-offs 127.67%
Efficiency ratio1.10%
Assets per employee$67,184
Cash dividends to net income (YTD only)2.77%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.75%
Noncurrent assets plus other real estate owned to assets 123.82%
Noncurrent loans to loans 3.57%
Net loans and leases to deposits2.22%
Net loans and leases to core deposits 93.44%
Equity capital to assets 125.65%
Core capital (leverage) ratio 9.81%
Tier 1 risk-based capital ratio 9.55%
Total risk-based capital ratio 12.63%
Average assets$14
Average earning assets$297,176
Average equity $28,147
Average loans $269,817
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11 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01085Peoples Bank Of The Ozarks307 West Mt. Vernon Street, Nixa, MO 65714April 16, 1917Full Service Brick and Mortar
1189950Republic Branch3000 West Republic Road, Springfield, MO 65807July 26, 1985Full Service Brick and Mortar
2189951Clever Branch310 West Highway 14, Clever, MO 65631June 03, 1986Full Service Brick and Mortar
3189952Forsyth 160 Branch15775 Us Hwy 160, Forsyth, MO 65653January 04, 1993Full Service Brick and Mortar
10334399Rogersville Branch317 South Main, Rogersville, MO 65742April 24, 1996Full Service Brick and Mortar
11360846Kimberling City Branch11892 State Hwy 13, Kimberling City, MO 65686March 12, 2001Full Service Brick and Mortar
13366101Cc & Main Branch1564 North Main Street, Nixa, MO 65714January 27, 2003Full Service Brick and Mortar
15448981Ozark Branch2471 West Jackson Street, Ozark, MO 65721December 30, 2005Full Service Brick and Mortar
16464431Fremont Hills Branch9005 Sawgrass Avenue, Nixa, MO 65714June 21, 2007Full Service Brick and Mortar
17491477Springfield East Sunshine2911 East Sunshine Street, Springfield, MO 65804June 10, 2009Full Service Brick and Mortar
18492451Operations Branch208 N. Mccroskey St, Nixa, MO 65714September 15, 2008Limited Service Administrative
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