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

Security Bank of the Ozarks - Overview

  • General
  • FDIC Certificate #: 18033
    Status: Active
    Federal Reserve ID: 956358
    Bank Holding Company (Regulatory Top Holder): Eminence Bankshares, Inc. (RSSDID: 1140613, Location: Eminence, MO)
    Date Established: June 29, 1959
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15816
    FDIC's unique #: 11962
    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: June 29, 1959
    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: 103 South Main Street, Eminence, MO 65466
    County: Shannon
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $47.1 mil
    Equity capital: $4.1 mil
    Deposits held in domestic offices: $39.4 mil
    Return on assets (ROA): 0.78% ($0.4 mil)
    Quarterly return on assets: 0.44% ($0.2 mil)
    Return on Equity (ROE): 9.28% ($0.4 mil)
    Quarterly return on equity: 4.98% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.85% ($400.6 mil)
    Quarterly Pretax return on assets: 0.49% ($230.9 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
  • 23Total employees (full-time equivalent)
  • $47,129Total assets
  • $3,751Cash and due from depository institutions
  • $89Interest-bearing balances
  • $9,208Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $29,290Net loans & leases
  • $314Loan loss allowance
  • $0Trading account assets
  • $1,710Bank premises and fixed assets
  • $30Other real estate owned
  • $647Goodwill and other intangibles
  • $47,129Life insurance assets
  • $2,493All other assets
  • $42,994Total liabilities and capital
  • $39,426Total liabilities
  • $31,372Total deposits
  • $39,426Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $68Subordinated debt
  • $4,135All other liabilities
  • $4,135Total equity capital
  • $4,135Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $2,305Surplus
  • $1,780Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $241Income earned, not collected on loans
  • $0Earning assets
  • $333Long-term assets (5+ years)
  • $38,587Average Assets, year-to-date
  • $10,272Average Assets, quarterly
  • $46,187Volatile liabilities
  • $46,063Insider loans
  • $33,371FHLB advances
  • $44,574Loans and leases held for sale
  • $1,383Unused loan commitments
  • $1,383Tier 1 (core) risk-based capital
  • $3,194Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,965Restructured Loans and leases
  • $83Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,415Total interest income
  • $419Total interest expense
  • $1,996Net interest income
  • $125Provision for loan and lease losses
  • $339Total noninterest income
  • $0Fiduciary activities
  • $118Service charges on deposit accounts
  • $0Trading account gains & fees
  • $221Additional noninterest income
  • $1,838Total noninterest expense
  • $978Salaries and employee benefits
  • $337Premises and equipment expense
  • $523Additional noninterest expense
  • $372Pre-tax net operating income
  • $22Securities gains (losses)
  • $32Applicable income taxes
  • $362Income before extraordinary items
  • $0Extraordinary gains - net
  • $362Net income attributable to bank
  • $0Net charge-offs
  • $362Cash dividends
  • $120Sale, conversion, retirement of capital stock, net
  • $411Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.16%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 5.09%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 4.68%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 9.28%Return on equity (ROE)
  • -1.26%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 104.17%Credit loss provision to net charge-offs
  • 4.14%Efficiency ratio
  • 78,715Assets per employee
  • 2.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 113.54%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 130.29%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 74.29%Net loans and leases to core deposits
  • 82.20%Equity capital to assets
  • 8.77%Core capital (leverage) ratio
  • 7.17%Tier 1 risk-based capital ratio
  • 9.57%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $46,187Average earning assets
  • $3,900Average equity
  • $39,235Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011962Security Bank Of The Ozarks103 South Main Street, Eminence, MO 65466June 29, 1959Full Service Brick and Mortar
    15290Winona Branch105 Highway 19 North, Winona, MO 65588May 02, 1904Full Service Brick and Mortar

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