First Community Bank of the Ozarks in city_name, state_name

First Community Bank of the Ozarks in Branson, Missouri (MO)
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First Community Bank of the Ozarks routing number info

First Community Bank of the Ozarks - Overview

General
FDIC Certificate #: 33832
Status: Active
Federal Reserve ID: 2107341
Bank Holding Company (Regulatory Top Holder): M & L Holding Company (RSSDID: 2011765, Location: Branson, MO)
Date Established: October 01, 1993
WWW: http://www.fcboz.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 48139
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: Commercial Lending Specialization
Date of Deposit Insurance: October 01, 1993
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: 121 South Commercial Street, Branson, MO 65616
County: Taney
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
Core Based Statistical Area (CBSA): Branson, MO (#14700)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $100.2 mil
Equity capital: $4.8 mil
Deposits held in domestic offices: $88.0 mil
Return on assets (ROA): -1.77% (-$1.8 mil)
Quarterly return on assets: -0.52% (-$0.5 mil)
Return on Equity (ROE): -34.31% (-$1.7 mil)
Quarterly return on equity: -10.46% (-$0.5 mil)
Net income: -$1.8 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -2.74% (-$2,744.3 mil)
Quarterly Pretax return on assets: -0.84% (-$841.3 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
36Total employees (full-time equivalent)
$100,158Total assets
$17,797Cash and due from depository institutions
$16,039Interest-bearing balances
$13,194Securities
$600Federal funds sold & reverse repurchase agreements
$58,232Net loans & leases
$2,749Loan loss allowance
$0Trading account assets
$4,004Bank premises and fixed assets
$1,635Other real estate owned
$0Goodwill and other intangibles
$100,158Life insurance assets
$4,696All other assets
$95,372Total liabilities and capital
$87,993Total liabilities
$80,105Total deposits
$87,993Interest-bearing deposits
$88Deposits held in domestic offices
6408.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$971Subordinated debt
$4,786All other liabilities
$4,786Total equity capital
$4,786Total bank equity capital
$0Perpetual preferred stock
$1,558Common stock
$5,123Surplus
$-1,895Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,624Income earned, not collected on loans
$0Earning assets
$252Long-term assets (5+ years)
$88,065Average Assets, year-to-date
$8,683Average Assets, quarterly
$100,471Volatile liabilities
$98,400Insider loans
$67,492FHLB advances
$95,869Loans and leases held for sale
$2,342Unused loan commitments
$1,872Tier 1 (core) risk-based capital
$3,259Tier 2 risk-based capital
$0Total risk weighted assets
$470Total unused commitments
$2,140Restructured Loans and leases
$2,353Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,125Total interest income
$817Total interest expense
$3,308Net interest income
$1,622Provision for loan and lease losses
$767Total noninterest income
$0Fiduciary activities
$233Service charges on deposit accounts
$0Trading account gains & fees
$534Additional noninterest income
$5,209Total noninterest expense
$2,295Salaries and employee benefits
$580Premises and equipment expense
$2,334Additional noninterest expense
-$2,756Pre-tax net operating income
$0Securities gains (losses)
-$973Applicable income taxes
-$1,783Income before extraordinary items
$0Extraordinary gains - net
-$1,783Net income attributable to bank
$0Net charge-offs
-$1,783Cash dividends
$500Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.70%Yield on earning assets
0.93%Cost of funding earning assets
3.77%Net interest margin
0.87%Noninterest income to earning assets
5.93%Noninterest expense to earning assets
-1.77%Net operating income to assets
-1.77%Return on assets (ROA)
-2.74%Pretax return on assets
-34.31%Return on equity (ROE)
-34.31%Retained earnings to average equity (YTD only)
0.77%Net charge-offs to loans
324.40%Credit loss provision to net charge-offs
-2.27%Efficiency ratio
127,828Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.51%Loss allowance to noncurrent loans
48.88%Noncurrent assets plus other real estate owned to assets
7.25%Noncurrent loans to loans
9.22%Net loans and leases to deposits
66.18%Net loans and leases to core deposits
69.54%Equity capital to assets
4.78%Core capital (leverage) ratio
3.40%Tier 1 risk-based capital ratio
4.83%Total risk-based capital ratio
Memoranda
$6Average assets
$100,471Average earning assets
$5,197Average equity
$87,820Average loans

List of branches

4 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	48139	First Community Bank Of The Ozarks	121 South Commercial Street, Branson, MO 65616	October 01, 1993	Full Service Brick and Mortar
1	289965	Forsyth Branch	15261 U.S. Highway 160, Forsyth, MO 65653	January 05, 1998	Full Service Brick and Mortar
3	440482	First Community Bank Of The Ozarks -	125 Financial Drive, Hollister, MO 65672	May 06, 2005	Full Service Brick and Mortar
4	501271	First Community Bank Of The Ozarks -	931 State Highway 248, Branson, MO 65616	January 19, 2010	Full Service Brick and Mortar

First Community Bank of the Ozarks in Branson, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community 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:

First Community Bank of the Ozarks in Branson, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community 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:

First Community Bank of the Ozarks in Branson, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches