THE COMMERCIAL BANK OF OZARK in Ozark, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


THE COMMERCIAL BANK OF OZARK - Overview

  • General
  • FDIC Certificate #: 17975
    Status: Active
    Federal Reserve ID: 522034
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares Of Ozark, Inc. (RSSDID: 2581718, Location: Ozark, AL)
    Date Established: April 02, 1959
    WWW: http://www.cbozark.com.
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11906
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 02, 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: 208 South Merrick Avenue, Ozark, AL 36360
    County: Dale
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Dothan, AL (#2180)
    Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222)
    Core Based Statistical Area (CBSA): Enterprise-Ozark, AL (#21460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $76.5 mil
    Equity capital: $6.9 mil
    Deposits held in domestic offices: $68.4 mil
    Return on assets (ROA): 0.64% ($0.5 mil)
    Quarterly return on assets: 0.79% ($0.6 mil)
    Return on Equity (ROE): 7.38% ($0.5 mil)
    Quarterly return on equity: 8.79% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.66% ($504.6 mil)
    Quarterly Pretax return on assets: 0.68% ($519.9 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
  • 33Total employees (full-time equivalent)
  • $76,452Total assets
  • $10,337Cash and due from depository institutions
  • $9,172Interest-bearing balances
  • $18,041Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,347Net loans & leases
  • $597Loan loss allowance
  • $0Trading account assets
  • $1,607Bank premises and fixed assets
  • $587Other real estate owned
  • $0Goodwill and other intangibles
  • $76,452Life insurance assets
  • $3,533All other assets
  • $69,568Total liabilities and capital
  • $68,360Total liabilities
  • $36,195Total deposits
  • $68,360Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,208Subordinated debt
  • $6,884All other liabilities
  • $6,884Total equity capital
  • $6,884Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $1,158Surplus
  • $5,276Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $945Income earned, not collected on loans
  • $0Earning assets
  • $369Long-term assets (5+ years)
  • $69,560Average Assets, year-to-date
  • $16,681Average Assets, quarterly
  • $74,268Volatile liabilities
  • $75,756Insider loans
  • $44,231FHLB advances
  • $74,054Loans and leases held for sale
  • $2,343Unused loan commitments
  • $2,343Tier 1 (core) risk-based capital
  • $6,408Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,066Restructured Loans and leases
  • $1,093Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,490Total interest income
  • $360Total interest expense
  • $3,130Net interest income
  • $0Provision for loan and lease losses
  • $463Total noninterest income
  • $0Fiduciary activities
  • $384Service charges on deposit accounts
  • $0Trading account gains & fees
  • $79Additional noninterest income
  • $3,117Total noninterest expense
  • $1,628Salaries and employee benefits
  • $343Premises and equipment expense
  • $1,146Additional noninterest expense
  • $476Pre-tax net operating income
  • $11Securities gains (losses)
  • $8Applicable income taxes
  • $479Income before extraordinary items
  • $0Extraordinary gains - net
  • $479Net income attributable to bank
  • $0Net charge-offs
  • $479Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $66Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 4.64%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 4.62%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 7.38%Return on equity (ROE)
  • 6.36%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 5.29%Efficiency ratio
  • 86,752Assets per employee
  • 2.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.78%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 63.17%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 2.20%Net loans and leases to deposits
  • 61.95%Net loans and leases to core deposits
  • 61.95%Equity capital to assets
  • 9.00%Core capital (leverage) ratio
  • 8.65%Tier 1 risk-based capital ratio
  • 14.49%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $74,268Average earning assets
  • $6,491Average equity
  • $67,442Average loans

List of branches

  • 3 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011906The Commercial Bank Of Ozark208 South Merrick Avenue, Ozark, AL 36360April 02, 1959Full Service Brick and Mortar
    1243389Martindale Plaza Branch1301 E. Andrews Ave., Ozark, AL 36360January 10, 1972Full Service Brick and Mortar
    4235633South Dale BranchPhillip J. Hamm Dr., Midland City, AL 36350July 18, 1973Full Service Brick and Mortar

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