Peoples Bank of the Ozarks in Nixa, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
    WWW: http://www.peoplesbanking.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 103Total employees (full-time equivalent)
  • $284,829Total assets
  • $23,288Cash and due from depository institutions
  • $18,570Interest-bearing balances
  • $17,940Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $221,539Net loans & leases
  • $6,253Loan loss allowance
  • $0Trading account assets
  • $11,511Bank premises and fixed assets
  • $5,123Other real estate owned
  • $0Goodwill and other intangibles
  • $284,829Life insurance assets
  • $5,428All other assets
  • $256,885Total liabilities and capital
  • $237,089Total liabilities
  • $200,855Total deposits
  • $237,089Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,000Trading liabilities
  • $0Other borrowed funds
  • $796Subordinated debt
  • $27,944All other liabilities
  • $27,944Total equity capital
  • $27,944Total bank equity capital
  • $0Perpetual preferred stock
  • $884Common stock
  • $6,621Surplus
  • $20,439Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,050Income earned, not collected on loans
  • $0Earning assets
  • $903Long-term assets (5+ years)
  • $258,049Average Assets, year-to-date
  • $29,595Average Assets, quarterly
  • $297,176Volatile liabilities
  • $288,506Insider loans
  • $218,786FHLB advances
  • $289,256Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,626Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,835Restructured Loans and leases
  • $19,306Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,477Total interest income
  • $4,118Total interest expense
  • $10,359Net interest income
  • $4,660Provision for loan and lease losses
  • $1,830Total noninterest income
  • $0Fiduciary activities
  • $525Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,305Additional noninterest income
  • $8,189Total noninterest expense
  • $4,586Salaries and employee benefits
  • $1,533Premises and equipment expense
  • $2,070Additional noninterest expense
  • -$660Pre-tax net operating income
  • $0Securities gains (losses)
  • -$273Applicable income taxes
  • -$387Income before extraordinary items
  • $0Extraordinary gains - net
  • -$387Net income attributable to bank
  • $0Net charge-offs
  • -$387Cash dividends
  • $3,650Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • -0.13%Net operating income to assets
  • -0.13%Return on assets (ROA)
  • -0.22%Pretax return on assets
  • -1.37%Return on equity (ROE)
  • -1.37%Retained earnings to average equity (YTD only)
  • 1.53%Net charge-offs to loans
  • 127.67%Credit loss provision to net charge-offs
  • 1.10%Efficiency ratio
  • 67,184Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.75%Loss allowance to noncurrent loans
  • 123.82%Noncurrent assets plus other real estate owned to assets
  • 3.57%Noncurrent loans to loans
  • 2.22%Net loans and leases to deposits
  • 93.44%Net loans and leases to core deposits
  • 125.65%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 9.55%Tier 1 risk-based capital ratio
  • 12.63%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $297,176Average earning assets
  • $28,147Average equity
  • $269,817Average loans

List of branches

  • 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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