First Security Bank, National Association in Flower Mound, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank, National Association - Overview

  • General
  • FDIC Certificate #: 17209
    Status: Active
    Federal Reserve ID: 114756
    Bank Holding Company (Regulatory Top Holder): First Graham Bancorp, Inc. (RSSDID: 1107700, Location: Graham, TX)
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11238
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 15, 1953
    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: 1801 Cross Timbers, Flower Mound, TX 75028
    County: Denton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $156.3 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $129.9 mil
    Return on assets (ROA): 1.86% ($2.9 mil)
    Quarterly return on assets: 2.44% ($3.8 mil)
    Return on Equity (ROE): 13.86% ($3.0 mil)
    Quarterly return on equity: 17.84% ($3.9 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.86% ($2,907.9 mil)
    Quarterly Pretax return on assets: 2.44% ($3,814.7 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
  • 27Total employees (full-time equivalent)
  • $156,339Total assets
  • $12,017Cash and due from depository institutions
  • $9,630Interest-bearing balances
  • $17,544Securities
  • $550Federal funds sold & reverse repurchase agreements
  • $112,789Net loans & leases
  • $1,938Loan loss allowance
  • $0Trading account assets
  • $4,195Bank premises and fixed assets
  • $2,455Other real estate owned
  • $3,055Goodwill and other intangibles
  • $156,339Life insurance assets
  • $3,734All other assets
  • $134,460Total liabilities and capital
  • $129,940Total liabilities
  • $100,304Total deposits
  • $129,940Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 4000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $520Subordinated debt
  • $21,879All other liabilities
  • $21,879Total equity capital
  • $21,879Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $6,346Surplus
  • $13,033Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,908Income earned, not collected on loans
  • $0Earning assets
  • $640Long-term assets (5+ years)
  • $140,513Average Assets, year-to-date
  • $40,836Average Assets, quarterly
  • $153,507Volatile liabilities
  • $154,776Insider loans
  • $119,040FHLB advances
  • $153,584Loans and leases held for sale
  • $2,060Unused loan commitments
  • $2,060Tier 1 (core) risk-based capital
  • $17,508Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,088Restructured Loans and leases
  • $1,260Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,863Total interest income
  • $1,508Total interest expense
  • $6,355Net interest income
  • $220Provision for loan and lease losses
  • $40Total noninterest income
  • $0Fiduciary activities
  • $313Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$273Additional noninterest income
  • $3,324Total noninterest expense
  • $1,813Salaries and employee benefits
  • $404Premises and equipment expense
  • $1,107Additional noninterest expense
  • $2,851Pre-tax net operating income
  • -$1Securities gains (losses)
  • $0Applicable income taxes
  • $2,850Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,850Net income attributable to bank
  • $0Net charge-offs
  • $2,850Cash dividends
  • $148Sale, conversion, retirement of capital stock, net
  • $2,567Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.63%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.86%Net operating income to assets
  • 1.86%Return on assets (ROA)
  • 1.86%Pretax return on assets
  • 13.86%Return on equity (ROE)
  • 1.38%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 148.65%Credit loss provision to net charge-offs
  • 20.75%Efficiency ratio
  • 51,978Assets per employee
  • 5.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.07%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 49.59%Noncurrent assets plus other real estate owned to assets
  • 4.07%Noncurrent loans to loans
  • 3.41%Net loans and leases to deposits
  • 86.80%Net loans and leases to core deposits
  • 90.06%Equity capital to assets
  • 13.99%Core capital (leverage) ratio
  • 11.40%Tier 1 risk-based capital ratio
  • 14.71%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $153,507Average earning assets
  • $20,565Average equity
  • $137,402Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011238First Security Bank, National Association1801 Cross Timbers, Flower Mound, TX 75028January 01, 1907Full Service Brick and Mortar
    2418897Hickory Creek - 3970 Fm - 21813970 Fm - 2181, Suite 100, Hickory Creek, TX 75065August 22, 2002Full Service Brick and Mortar
    3430153First Security Bank N.A. Aubrey Bran958 Hwy 377 South, Aubrey, TX 76227July 07, 2003Full Service Brick and Mortar

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