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


  • Bank of Odessa in Odessa, Missouri (MO)
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Bank of Odessa routing number info

Bank of Odessa - Overview

  • General
  • FDIC Certificate #: 9803
    Status: Active
    Federal Reserve ID: 819453
    Bank Holding Company (Regulatory Top Holder): Country Agencies & Investments, Inc. (RSSDID: 1053339, Location: Odessa, MO)
    Date Established: January 01, 1880
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6278
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 West Highway 40, Odessa, MO 64076
    County: Lafayette
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $245.4 mil
    Equity capital: $49.5 mil
    Deposits held in domestic offices: $194.3 mil
    Return on assets (ROA): 0.80% ($2.0 mil)
    Quarterly return on assets: 0.57% ($1.4 mil)
    Return on Equity (ROE): 4.07% ($2.0 mil)
    Quarterly return on equity: 2.84% ($1.4 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.11% ($2,723.9 mil)
    Quarterly Pretax return on assets: 0.75% ($1,840.4 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
  • 35Total employees (full-time equivalent)
  • $245,393Total assets
  • $29,906Cash and due from depository institutions
  • $19,410Interest-bearing balances
  • $100,684Securities
  • $3,260Federal funds sold & reverse repurchase agreements
  • $107,381Net loans & leases
  • $1,000Loan loss allowance
  • $0Trading account assets
  • $194Bank premises and fixed assets
  • $2,438Other real estate owned
  • $0Goodwill and other intangibles
  • $245,393Life insurance assets
  • $1,530All other assets
  • $195,874Total liabilities and capital
  • $194,345Total liabilities
  • $175,813Total deposits
  • $194,345Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,529Subordinated debt
  • $49,519All other liabilities
  • $49,519Total equity capital
  • $49,519Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,900Surplus
  • $47,019Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,355Income earned, not collected on loans
  • $0Earning assets
  • $1,256Long-term assets (5+ years)
  • $230,735Average Assets, year-to-date
  • $9,393Average Assets, quarterly
  • $247,143Volatile liabilities
  • $247,763Insider loans
  • $103,731FHLB advances
  • $246,348Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $48,777Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $267Restructured Loans and leases
  • $1,682Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,965Total interest income
  • $2,103Total interest expense
  • $6,862Net interest income
  • $1,190Provision for loan and lease losses
  • $322Total noninterest income
  • $0Fiduciary activities
  • $150Service charges on deposit accounts
  • $0Trading account gains & fees
  • $172Additional noninterest income
  • $3,251Total noninterest expense
  • $1,613Salaries and employee benefits
  • $221Premises and equipment expense
  • $1,417Additional noninterest expense
  • $2,743Pre-tax net operating income
  • $2Securities gains (losses)
  • $757Applicable income taxes
  • $1,988Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,988Net income attributable to bank
  • $0Net charge-offs
  • $1,988Cash dividends
  • $1,190Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.79%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 2.90%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 1.37%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 4.07%Return on equity (ROE)
  • 1.00%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 3.31%Efficiency ratio
  • 45,253Assets per employee
  • 7.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.45%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 42.46%Noncurrent assets plus other real estate owned to assets
  • 1.95%Noncurrent loans to loans
  • 2.17%Net loans and leases to deposits
  • 55.25%Net loans and leases to core deposits
  • 58.68%Equity capital to assets
  • 20.18%Core capital (leverage) ratio
  • 19.80%Tier 1 risk-based capital ratio
  • 47.02%Total risk-based capital ratio
  • Memoranda
  • $48Average assets
  • $247,143Average earning assets
  • $48,853Average equity
  • $236,692Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06278Bank Of Odessa301 West Highway 40, Odessa, MO 64076January 01, 1880Full Service Brick and Mortar
    1221232Drive-In Facility201 South Second Street, Odessa, MO 64076November 24, 1975Limited Service Facility

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