Century Bank of the Ozarks

Century Bank of the Ozarks is headquartered in Gainesville and is the 124^th largest bank in the state of Missouri. It is also the 3,449^th largest bank in the nation. It was established in 1894 and as of March of 2012, it had grown to 58 employees at 4 locations. Century Bank of the Ozarks has a 4-star health rating.

Century Bank of the Ozarks Routing Number: 081509973

Data for Q1 2012

Institution Statistics Century Bank of the Ozarks FDIC Certificate # 8296 BankRate Report View Year Established 1894 Employees 58 Primary Regulator FED Assets and Liabilities Assets $176.35 million Loans $125.64 million Deposits $157.57 million Equity Capital $15.90 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $1.58 million Real Estate Owned $858,000 Historic Data - March 2011 Assets $169.01 million Equity Capital $15.43 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $219,000 Real Estate Owned $557,000 Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 1.93% Return on Equity 21.06% Interest Income $2.23 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 March 31, 2012 Century Bank of the Ozarks had $2.44 million in non-current loans and owned real-estate with $18.4 million in equity and loan loss allowances on hand to cover it. This gives Century Bank of the Ozarks a Texas Ratio of 13.26% 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 Century Bank of the Ozarks increased slightly from 4.34% as of March 31, 2011 to 13.26% as of March 31, 2012, resulting in a negative change of 205.65%. This indicates that the balance sheet and financial strength for Century Bank of the Ozarks has declined slightly in recent periods. Deposit Growth In the past year, Century Bank of the Ozarks has increased its total deposits by $10.74 million, resulting in 7.31% 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 Century Bank of the Ozarks has shown is excellent. 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. Century Bank of the Ozarks has $176.35 million in assets with $18.4 million in equity, resulting in a capitalization level of 10.43%, which is above average.

No reviews have been left for this bank yet. Be the first to review.