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
No
ID
Name
Address
Established
Service Type
Map
0
8733
The Bank Of Houston
404 South Grand, Houston, MO 65483
June 04, 1889
Full Service Brick and Mortar
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