First Security Bank in Searcy, Arkansas (AR)



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First Security Bank
GeneralFDIC Certificate #: 5633
Status: Active
Federal Reserve ID: 673440
Bank Holding Company (Regulatory Top Holder): First Security Bancorp (RSSDID: 1096505, Location: Searcy, AR)
Date Established: Febuary 06, 1932
WWW: http://www.fsbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 73 (Domestic: 73, Interstate: No)
OTS Docket #: 10278
FDIC's unique #: 3838
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: January 01, 1934
Last Structure Change Effective Date: June 12, 2009
Last Structure Change Process Date: June 12, 2009
Last Data Update: June 12, 2009
Data Source Date: April 05, 2012
LocationAddress: 314 North Spring Street, Searcy, AR 72143
County: White
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
Core Based Statistical Area (CBSA): Searcy, AR (#42620)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Name Change
Financial SummaryTotal assets: $4,011.4 mil
Equity capital: $435.4 mil
Deposits held in domestic offices: $3,167.1 mil
Return on assets (ROA): 2.32% ($93.1 mil)
Quarterly return on assets: 2.50% ($100.3 mil)
Return on Equity (ROE): 22.89% ($99.6 mil)
Quarterly return on equity: 23.44% ($102.0 mil)
Net income: $87.7 mil
Quarterly Net income: $24.8 mil
Pretax return on assets: 2.63% ($105,498.9 mil)
Quarterly Pretax return on assets: 2.86% ($114,725.1 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)
Total employees (full-time equivalent)741
Total assets$4,011,366
Cash and due from depository institutions$86,459
Interest-bearing balances$16,883
Securities$2,064,707
Federal funds sold & reverse repurchase agreements$36,475
Net loans & leases$1,617,402
Loan loss allowance $39,890
Trading account assets$0
Bank premises and fixed assets$84,075
Other real estate owned$27,930
Goodwill and other intangibles$23,527
All other assets$70,791
Life insurance assets$4,011,365
Total liabilities and capital$3,575,964
Total liabilities$3,167,080
Total deposits$2,776,966
Interest-bearing deposits$3,167,080
Deposits held in domestic offices$71
% insured (estimated)139907.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$254,554
Other borrowed funds $0
Subordinated debt $14,423
All other liabilities $435,401
Total equity capital$435,401
Total bank equity capital$435,401
Perpetual preferred stock$0
Common stock$600
Surplus$79,365
Undivided profits $355,436
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $22,205
Income earned, not collected on loans $17,517
Earning assets $0
Long-term assets (5+ years) $36,042
Average Assets, year-to-date $3,735,467
Average Assets, quarterly $2,014,958
Volatile liabilities $3,779,873
Insider loans $3,963,227
FHLB advances $2,518,253
Loans and leases held for sale $3,949,812
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $365,196
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $265,538
Derivatives$105,465
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $195,434
Total interest expense $34,476
Net interest income $160,958
Provision for loan and lease losses $12,305
Total noninterest income $23,408
Fiduciary activities $1,583
Service charges on deposit accounts $9,460
Trading account gains & fees $0
Additional noninterest income $12,365
Total noninterest expense $75,328
Salaries and employee benefits $38,651
Premises and equipment expense $10,450
Additional noninterest expense $26,227
Pre-tax net operating income $96,733
Securities gains (losses) $2,608
Applicable income taxes $11,655
Income before extraordinary items $87,686
Extraordinary gains - net $0
Net income attributable to bank $87,686
Net charge-offs $0
Cash dividends $87,686
Sale, conversion, retirement of capital stock, net $9,210
Net operating income $6,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.57%
Cost of funding earning assets 0.98%
Net interest margin 4.59%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 2.15%
Net operating income to assets 2.26%
Return on assets (ROA) 2.32%
Pretax return on assets 2.63%
Return on equity (ROE) 22.89%
Retained earnings to average equity (YTD only) 21.33%
Net charge-offs to loans 0.57%
Credit loss provision to net charge-offs 133.60%
Efficiency ratio11.84%
Assets per employee$39,817
Cash dividends to net income (YTD only)5.41%
Condition Ratios (%)
Loss allowance to loans 6.84%
Loss allowance to noncurrent loans 2.41%
Noncurrent assets plus other real estate owned to assets 227.72%
Noncurrent loans to loans 1.13%
Net loans and leases to deposits1.06%
Net loans and leases to core deposits 51.07%
Equity capital to assets 57.34%
Core capital (leverage) ratio 10.85%
Tier 1 risk-based capital ratio 9.25%
Total risk-based capital ratio 14.50%
Memoranda
Average assets$16
Average earning assets$3,779,873
Average equity $383,017
Average loans $3,507,678
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$476,848
Number of Accounts1
Personal trust and agency accounts$104,368
Employee benefit-defined contribution accounts$23,768
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$606
Investment management agency accounts$9,043
Other fiduciary accounts$69,875
Fiduciary accounts held in foreign offices$0
Non-managed Assets$1,076
Number of Accounts818
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$606
Employee benefit-defined benefit accounts$0
Other retirement accounts$372,480
Corporate trust and agency accounts$277,460
Other fiduciary accounts$44,224
Fiduciary accounts held in foreign offices$10,593
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73 Arkansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03838First Security Bank314 North Spring Street, Searcy, AR 72143Febuary 06, 1932Full Service Brick and Mortar
1207921Mcrae BranchGrand Avenue, Mcrae, AR 72102January 02, 1951Full Service Brick and Mortar
3207923East Race Branch2800 East Race Avenue, Searcy, AR 72143September 18, 1972Full Service Brick and Mortar
4207924Pangburn BranchChurch And Searcy Streets, Pangburn, AR 72121October 15, 1973Full Service Brick and Mortar
5207925Beebe Capps2531 W Beebe-Capps Expressway, Searcy, AR 72143September 08, 1980Full Service Brick and Mortar
67972Griffithville BranchHighway 385, Griffithville, AR 72060January 01, 1905Full Service Brick and Mortar
7872Judsonia BranchJefferson And Van Buren Streets, Judsonia, AR 72081May 29, 1913Full Service Brick and Mortar
9207926South Main Branch1118 South Main Street, Searcy, AR 72143December 15, 1993Full Service Brick and Mortar
10285335110 South 7th Branch110 South 7th, Heber Springs, AR 72543January 01, 1972Full Service Brick and Mortar
11285336Gin Creek Branch2800 East Race Avenue, Searcy, AR 72143January 01, 1972Limited Service Administrative
13190066Dewitt Henry Drive FacilityDewitt Henry Drive, Beebe, AR 72012November 16, 1976Full Service Brick and Mortar
14190067Center Street Branch400 West Center Street, Beebe, AR 72012March 21, 1994Full Service Brick and Mortar
15190068Cabot Branch205 West Pine Street, Cabot, AR 72023July 05, 1994Full Service Brick and Mortar
16207927906 South Pine Branch906 South Pine, Suite 14, Cabot, AR 72023January 18, 1999Full Service Brick and Mortar
17207928Fayetteville Main Branch1219 East Joyce Boulevard, Fayetteville, AR 72703June 21, 1999Full Service Brick and Mortar
192079301140 Highway 25b Branch1140 Highway 25b, Heber Springs, AR 72543October 05, 1999Full Service Brick and Mortar
21207932West Walnut Street Branch3901 West Walnut Street, Rogers, AR 72756November 12, 1999Full Service Brick and Mortar
22301159Fayetteville East Branch2630 Citizens Drive, Suite 1, Fayetteville, AR 72701Febuary 24, 2000Full Service Brick and Mortar
23358790Bella Vista Branch31 Cunningham Corner, Bella Vista, AR 72714August 21, 2000Full Service Brick and Mortar
24360335West Sunset Branch2863 West Sunset, Springdale, AR 72762June 07, 2001Full Service Brick and Mortar
25361964Highway 12 Branch14512 Highway 12 East, Rogers, AR 72757September 04, 2001Full Service Brick and Mortar
26418641University Branch435 North Garland, Suite 208, Fayetteville, AR 72701April 08, 2003Full Service Brick and Mortar
27419200West Sixth Street Branch2630 West 6th Street, Fayetteville, AR 72701June 09, 2003Full Service Brick and Mortar
282538The First N.B. Of Springdale Branch100 West Emma Street, Springdale, AR 72764January 01, 1907Full Service Brick and Mortar
30202114South Thompson Branch5208 South Thompson, Springdale, AR 72764August 29, 1988Full Service Brick and Mortar
31202115East Branch2012 East Robinson Avenue, Springdale, AR 72764June 13, 1994Full Service Brick and Mortar
32366088Messenger Service/Benton & Washingto100 West Emma, Springdale, AR 72764January 09, 2003Limited Service Messenger
33430236Rogers Pinnacle Branch3333 Pinnacle Hills Pkwy, Rogers, AR 72756December 31, 2003Full Service Brick and Mortar
34430990Lowell Branch400 West Monroe, Lowell, AR 72745August 09, 2004Full Service Brick and Mortar
35431430Springdale West Branch2500 West Sunset, Springdale, AR 72764January 01, 2004Full Service Brick and Mortar
36439314President Clinton Avenue Branch521 President Clinton Avenue, Little Rock, AR 72201November 02, 2004Full Service Brick and Mortar
37442491Little Rock Cantrell Branch11300 Cantrell Ste 100, Little Rock, AR 72201September 14, 2004Full Service Brick and Mortar
38444966Fayetteville Branch11 North College Avenue, Fayetteville, AR 72701September 12, 2005Full Service Brick and Mortar
43201999Coal Hill Branch502 East Highway 64, Coal Hill, AR 72832September 15, 1971Full Service Brick and Mortar
44357735Harvest Foods Branch502 South Crawford Street, Clarksville, AR 72830March 22, 2000Full Service Brick and Mortar
45446291Clarksville Branch214 West Main Street, Clarksville, AR 72830April 17, 2003Full Service Brick and Mortar
46446824Little Rock Branch4934 And 4936 West Markham Street, Little Rock, AR 72205November 15, 2005Full Service Brick and Mortar
47454256Maumelle Branch12005 Crystal Hill Road, Maumelle, AR 72113July 28, 2006Full Service Brick and Mortar
48455615Bentonville Branch2300 South Walton Boulevard, Bentonville, AR 72712October 02, 2006Full Service Brick and Mortar
49455626Cabot Highway 89 Branch2255 West Main Street, Cabot, AR 72023April 25, 2006Full Service Brick and Mortar
50455627Jonesboro Branch613 Southwest Drive, Jonesboro, AR 72401October 02, 2006Full Service Brick and Mortar
51455628Stadium Boulevard - Jonesboro Branch1341 Stadium Boulevard, Jonesboro, AR 72401September 18, 2006Full Service Brick and Mortar
52455629Branch At The Ranch Branch17810 Cantrell Road, Little Rock, AR 72223September 05, 2006Full Service Brick and Mortar
53466071Broadway North Little Rock Branch415 East Broadway, North Little Rock, AR 72114January 04, 2007Full Service Brick and Mortar
54466072Beebe West Branch20 Highway 64 West, Beebe, AR 72012January 15, 2007Full Service Brick and Mortar
55466073Bryant Branch20697 I-30, Bryant, AR 72022April 16, 2007Full Service Brick and Mortar
563829First Security Bank Of Mountain Home105 East Ninth Street, Mountain Home, AR 72653August 10, 1906Full Service Brick and Mortar
57207902Northeast Branch949 U.S. Highway 62 N.E., Mountain Home, AR 72653March 01, 1978Full Service Brick and Mortar
58207903Gassville BranchHighway 62 And 126 East, Gassville, AR 72635December 06, 1996Full Service Brick and Mortar
5910407Central Boulevard BranchCentral Boulevard, Bull Shoals, AR 72619November 01, 1944Full Service Brick and Mortar
60363217Wal-Mart Super Center Branch2763 Highway 62 East, Mountain Home, AR 72653Febuary 20, 2002Full Service Brick and Mortar
614452345 North Office520 Highway 5 North, Mountain Home, AR 72654October 17, 2005Full Service Brick and Mortar
62445985First Security Bank Of Mountain Home601 East Main Street, Mountain View, AR 72560November 15, 2005Full Service Brick and Mortar
63478283Indian Hills North Little Rock Branc6855 Jfk Boulevard, North Little Rock, AR 72114June 23, 2008Full Service Brick and Mortar
6447250Conway Branch1001 Front Street, Conway, AR 72032September 16, 1991Full Service Brick and Mortar
65289668Greenbrier Branch7 Wilson Farm Road, Greenbrier, AR 72058May 04, 1995Full Service Brick and Mortar
66289669Northwest Branch1390 Highway 64 West, Conway, AR 72032June 05, 1995Full Service Brick and Mortar
67289670Westside Station Branch801 Hogan Road, Conway, AR 72032January 15, 1998Full Service Brick and Mortar
68289671East Branch1110 E Oak, Conway, AR 72032August 17, 1998Full Service Brick and Mortar
69289672Prince St Branch2925 Prince, Conway, AR 72032April 26, 1999Full Service Brick and Mortar
70418748Dave Ward Branch2101 Dave Ward Drive, Conway, AR 72032November 01, 2002Full Service Brick and Mortar
71431747Clinton Banking Center Branch112 Volunteers Parkway, Clinton, AR 72031June 30, 2004Full Service Brick and Mortar
72444285Vilonia Banking Center Branch1137 Main St., Vilonia, AR 72173November 29, 2004Full Service Brick and Mortar
73480017Mayflower Banking Center Branch624 Highway 365 South, Mayflower, AR 72106November 26, 2007Full Service Brick and Mortar
7411334207 West Conway Street Branch207 West Conway Street, Benton, AR 72015January 11, 1954Full Service Brick and Mortar
75241445Bryant Branch1823 North Reynolds Road, Bryant, AR 72022August 15, 1969Full Service Brick and Mortar
76241447Salem Branch1212 Salem Road, Benton, AR 72015April 10, 1995Full Service Brick and Mortar
7744191The Union Bank Of Bryant Branch5619 Highway 5 North, Bryant, AR 72022January 01, 1962Full Service Brick and Mortar
78480929Military Branch1401 Military Road, Benton, AR 72015July 07, 2008Full Service Brick and Mortar
79508671Markham I-430 Branch10421 West Markham, Little Rock, AR 72205October 01, 2009Full Service Brick and Mortar
80508672Little Rock Heights Branch5600 Kavanaugh Drive, Little Rock, AR 72207May 05, 2010Full Service Brick and Mortar
81509361Clarksville South Rogers Branch1007 South Rogers, Clarksville, AR 72830March 21, 2010Full Service Brick and Mortar
84202000Cravens Street Drive-Up Bking Ctr Br115 North Cravens Street, Clarksville, AR 72830October 29, 1979Limited Service Facility
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