Century Bank of the Ozarks in city_name, state_name - Detailed Financial Reports, Location

Century Bank of the Ozarks in Gainesville, Missouri (MO)
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Century Bank of the Ozarks routing number info

Century Bank of the Ozarks - Overview

General
FDIC Certificate #: 8296
Status: Active
Federal Reserve ID: 904359
Bank Holding Company (Regulatory Top Holder): Century Bancshares, Inc. (RSSDID: 1095469, Location: Gainesville, MO)
Date Established: July 24, 1894
WWW: http://www.cbozarks.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 14022
FDIC's unique #: 5295
Numeric code: 13
Regulator: FED
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: January 01, 1934
Last Structure Change Effective Date: June 03, 2010
Last Structure Change Process Date: June 03, 2010
Last Data Update: June 03, 2010
Data Source Date: April 05, 2012
Location
Address: 39 Court Square, Gainesville, MO 65655
County: Ozark
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
Financial Summary
Total assets: $170.0 mil
Equity capital: $15.8 mil
Deposits held in domestic offices: $150.3 mil
Return on assets (ROA): 1.90% ($3.2 mil)
Quarterly return on assets: 1.95% ($3.3 mil)
Return on Equity (ROE): 20.72% ($3.3 mil)
Quarterly return on equity: 20.75% ($3.3 mil)
Net income: $3.2 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.90% ($3,230.8 mil)
Quarterly Pretax return on assets: 1.95% ($3,315.8 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
58Total employees (full-time equivalent)
$170,040Total assets
$7,875Cash and due from depository institutions
$4,604Interest-bearing balances
$13,556Securities
$8,183Federal funds sold & reverse repurchase agreements
$127,430Net loans & leases
$2,457Loan loss allowance
$0Trading account assets
$3,643Bank premises and fixed assets
$774Other real estate owned
$634Goodwill and other intangibles
$170,040Life insurance assets
$7,945All other assets
$154,215Total liabilities and capital
$150,262Total liabilities
$129,980Total deposits
$150,262Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,500Trading liabilities
$0Other borrowed funds
$1,453Subordinated debt
$15,825All other liabilities
$15,825Total equity capital
$15,825Total bank equity capital
$0Perpetual preferred stock
$431Common stock
$4,653Surplus
$10,741Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,575Income earned, not collected on loans
$0Earning assets
$1,407Long-term assets (5+ years)
$153,773Average Assets, year-to-date
$10,536Average Assets, quarterly
$169,217Volatile liabilities
$168,019Insider loans
$122,558FHLB advances
$165,815Loans and leases held for sale
$5,314Unused loan commitments
$5,314Tier 1 (core) risk-based capital
$14,927Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,677Restructured Loans and leases
$1,459Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,097Total interest income
$1,615Total interest expense
$7,482Net interest income
$420Provision for loan and lease losses
$1,320Total noninterest income
$0Fiduciary activities
$723Service charges on deposit accounts
$0Trading account gains & fees
$597Additional noninterest income
$5,170Total noninterest expense
$3,147Salaries and employee benefits
$924Premises and equipment expense
$1,099Additional noninterest expense
$3,212Pre-tax net operating income
$6Securities gains (losses)
$0Applicable income taxes
$3,218Income before extraordinary items
$0Extraordinary gains - net
$3,218Net income attributable to bank
$0Net charge-offs
$3,218Cash dividends
$235Sale, conversion, retirement of capital stock, net
$2,622Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.93%Yield on earning assets
1.05%Cost of funding earning assets
4.88%Net interest margin
0.86%Noninterest income to earning assets
3.37%Noninterest expense to earning assets
1.90%Net operating income to assets
1.90%Return on assets (ROA)
1.90%Pretax return on assets
20.72%Return on equity (ROE)
3.84%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
178.72%Credit loss provision to net charge-offs
15.46%Efficiency ratio
58,737Assets per employee
2.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.48%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
156.00%Noncurrent assets plus other real estate owned to assets
1.38%Noncurrent loans to loans
1.21%Net loans and leases to deposits
84.81%Net loans and leases to core deposits
87.89%Equity capital to assets
9.31%Core capital (leverage) ratio
9.00%Tier 1 risk-based capital ratio
12.18%Total risk-based capital ratio
Memoranda
$13Average assets
$169,217Average earning assets
$15,530Average equity
$153,297Average loans

List of branches

4 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5295	Century Bank Of The Ozarks	39 Court Square, Gainesville, MO 65655	July 24, 1894	Full Service Brick and Mortar
1	218263	Theodosia Facility	West 160 Highway, Theodosia, MO 65761	June 23, 1978	Full Service Brick and Mortar
2	218264	Bakersfield Branch	295 West Side North Main, Bakersfield, MO 65609	Febuary 28, 1983	Full Service Brick and Mortar
4	16811	Ava Branch	1004 North West 12th Avenue, Ava, MO 65608	October 26, 1982	Full Service Brick and Mortar

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

Century Bank of the Ozarks - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Century Bank of the Ozarks - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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