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
    WWW: http://www.thebankofhouston.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Bank of Houston.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents