The Bank of Houston in Houston, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Houston - Overview

  • General
  • FDIC Certificate #: 13960
    Status: Active
    Federal Reserve ID: 848453
    Bank Holding Company (Regulatory Top Holder): Ozark Bancshares, Inc. (RSSDID: 1095236, Location: Houston, MO)
    Date Established: June 04, 1889
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8733
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 03, 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: 404 South Grand, Houston, MO 65483
    County: Texas
    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: $45.7 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $40.1 mil
    Return on assets (ROA): -0.33% (-$0.2 mil)
    Quarterly return on assets: -0.36% (-$0.2 mil)
    Return on Equity (ROE): -2.97% (-$0.1 mil)
    Quarterly return on equity: -3.27% (-$0.2 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.33% (-$150.7 mil)
    Quarterly Pretax return on assets: -0.36% (-$164.4 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
  • 16Total employees (full-time equivalent)
  • $45,671Total assets
  • $1,023Cash and due from depository institutions
  • $69Interest-bearing balances
  • $11,118Securities
  • $1,983Federal funds sold & reverse repurchase agreements
  • $28,358Net loans & leases
  • $665Loan loss allowance
  • $0Trading account assets
  • $1,343Bank premises and fixed assets
  • $1,402Other real estate owned
  • $0Goodwill and other intangibles
  • $45,671Life insurance assets
  • $444All other assets
  • $40,574Total liabilities and capital
  • $40,149Total liabilities
  • $35,845Total deposits
  • $40,149Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $425Subordinated debt
  • $5,097All other liabilities
  • $5,097Total equity capital
  • $5,097Total bank equity capital
  • $0Perpetual preferred stock
  • $330Common stock
  • $335Surplus
  • $4,432Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $917Income earned, not collected on loans
  • $0Earning assets
  • $162Long-term assets (5+ years)
  • $41,528Average Assets, year-to-date
  • $4,915Average Assets, quarterly
  • $45,831Volatile liabilities
  • $46,107Insider loans
  • $32,021FHLB advances
  • $45,915Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,960Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,104Restructured Loans and leases
  • $573Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,963Total interest income
  • $378Total interest expense
  • $1,585Net interest income
  • $405Provision for loan and lease losses
  • $398Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $325Additional noninterest income
  • $1,730Total noninterest expense
  • $565Salaries and employee benefits
  • $336Premises and equipment expense
  • $829Additional noninterest expense
  • -$152Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$152Income before extraordinary items
  • $0Extraordinary gains - net
  • -$152Net income attributable to bank
  • $0Net charge-offs
  • -$152Cash dividends
  • $255Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • -0.33%Net operating income to assets
  • -0.33%Return on assets (ROA)
  • -0.33%Pretax return on assets
  • -2.97%Return on equity (ROE)
  • -2.97%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 158.82%Credit loss provision to net charge-offs
  • 0.99%Efficiency ratio
  • 87,242Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.29%Loss allowance to noncurrent loans
  • 72.52%Noncurrent assets plus other real estate owned to assets
  • 5.08%Noncurrent loans to loans
  • 3.16%Net loans and leases to deposits
  • 70.63%Net loans and leases to core deposits
  • 71.23%Equity capital to assets
  • 11.16%Core capital (leverage) ratio
  • 10.80%Tier 1 risk-based capital ratio
  • 15.49%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $45,831Average earning assets
  • $5,117Average equity
  • $41,675Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08733The Bank Of Houston404 South Grand, Houston, MO 65483June 04, 1889Full Service Brick and Mortar

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