First Security Bank in Union Star, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank - Overview

  • General
  • FDIC Certificate #: 1622
    Status: Active
    Federal Reserve ID: 322551
    Bank Holding Company (Regulatory Top Holder): First American Bancshares, Inc. (RSSDID: 1059751, Location: Union Star, MO)
    Date Established: April 30, 1890
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 1062
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 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: Fourth And Cedar, Union Star, MO 64494
    County: Dekalb
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $21.2 mil
    Equity capital: $1.7 mil
    Deposits held in domestic offices: $19.4 mil
    Return on assets (ROA): 0.47% ($0.1 mil)
    Quarterly return on assets: 0.39% ($0.1 mil)
    Return on Equity (ROE): 5.82% ($0.1 mil)
    Quarterly return on equity: 4.84% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.53% ($112.2 mil)
    Quarterly Pretax return on assets: 0.50% ($105.9 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
  • 7Total employees (full-time equivalent)
  • $21,174Total assets
  • $1,164Cash and due from depository institutions
  • $18Interest-bearing balances
  • $5,080Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,162Net loans & leases
  • $362Loan loss allowance
  • $0Trading account assets
  • $388Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $21,173Life insurance assets
  • $380All other assets
  • $19,432Total liabilities and capital
  • $19,365Total liabilities
  • $16,824Total deposits
  • $19,365Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $67Subordinated debt
  • $1,741All other liabilities
  • $1,741Total equity capital
  • $1,741Total bank equity capital
  • $0Perpetual preferred stock
  • $58Common stock
  • $455Surplus
  • $1,228Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $707Income earned, not collected on loans
  • $0Earning assets
  • $116Long-term assets (5+ years)
  • $19,260Average Assets, year-to-date
  • $3,651Average Assets, quarterly
  • $21,161Volatile liabilities
  • $21,581Insider loans
  • $12,342FHLB advances
  • $22,187Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,734Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $453Restructured Loans and leases
  • $517Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $945Total interest income
  • $213Total interest expense
  • $732Net interest income
  • $12Provision for loan and lease losses
  • $118Total noninterest income
  • $0Fiduciary activities
  • $89Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $765Total noninterest expense
  • $361Salaries and employee benefits
  • $101Premises and equipment expense
  • $303Additional noninterest expense
  • $73Pre-tax net operating income
  • $40Securities gains (losses)
  • $14Applicable income taxes
  • $99Income before extraordinary items
  • $0Extraordinary gains - net
  • $99Net income attributable to bank
  • $0Net charge-offs
  • $99Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $9Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 0.30%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 5.82%Return on equity (ROE)
  • 5.29%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 300.00%Credit loss provision to net charge-offs
  • 21.25%Efficiency ratio
  • 90,000Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.09%Loss allowance to loans
  • 2.49%Loss allowance to noncurrent loans
  • 51.20%Noncurrent assets plus other real estate owned to assets
  • 3.34%Noncurrent loans to loans
  • 4.87%Net loans and leases to deposits
  • 73.13%Net loans and leases to core deposits
  • 74.11%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 14.05%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $21,161Average earning assets
  • $1,702Average equity
  • $18,702Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01062First Security BankFourth And Cedar, Union Star, MO 64494April 30, 1890Full Service Brick and Mortar
    1360225Trimble Branch202 South 169 Highway, Trimble, MO 64492April 02, 2001Full Service Brick and Mortar

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