Central Bank of Lake of the Ozarks

Central Bank of Lake of the Ozarks is headquartered in Osage Beach and is the 45^th largest bank in the state of Missouri. It is also the 1,340^th largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 128 employees at 9 locations. Central Bank of Lake of the Ozarks has a 4-star health rating.

Data for Q4 2011

Institution Statistics Central Bank of Lake of the Ozarks FDIC Certificate # 11000 BankRate Report View Year Established 1906 Employees 128 Primary Regulator FDIC Assets and Liabilities Assets $502.07 million Loans $363.66 million Deposits $445.27 million Equity Capital $41.90 million Loan Loss Allowance $9.04 million Unbacked Noncurrent Loans $5.50 million Real Estate Owned $1.79 million Historic Data - December 2010 Assets $492.89 million Equity Capital $40.18 million Loan Loss Allowance $8.72 million Unbacked Noncurrent Loans $11.63 million Real Estate Owned $924,000 Profit Margin - Quarterly Net Interest Margin 4.86% Return on Assets 1.26% Return on Equity 15.52% Interest Income $25.65 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Central Bank of Lake of the Ozarks had $7.28 million in non-current loans and owned real-estate with $50.94 million in equity and loan loss allowances on hand to cover it. This gives Central Bank of Lake of the Ozarks a Texas Ratio of 14.30% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Bank of Lake of the Ozarks decreased significantly from 26.07% as of December 31, 2010 to 14.30% as of December 31, 2011, resulting in a positive change of 45.15%.This indicates that the balance sheet and financial strength for Central Bank of Lake of the Ozarks has improved significantly in recent periods. Deposit Growth In the past year, Central Bank of Lake of the Ozarks has increased its total deposits by $3.44 million, resulting in 0.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central Bank of Lake of the Ozarks has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central Bank of Lake of the Ozarks has $502.07 million in assets with $50.94 million in equity, resulting in a capitalization level of 10.15%, which is above average.

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