First Security Bank and Trust Company in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Security Bank and Trust Company in Oklahoma City, Oklahoma (OK)
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First Security Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 17001
    Status: Active
    Federal Reserve ID: 377850
    Bank Holding Company (Regulatory Top Holder): Fsb Bancshares, Inc. (RSSDID: 3602058, Location: Oklahoma City, OK)
    Date Established: April 06, 1951
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11073
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 06, 1951
    Last Structure Change Effective Date: September 21, 2009
    Last Structure Change Process Date: October 13, 2009
    Last Data Update: October 13, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1541 North East 23rd Street, Oklahoma City, OK 73111
    County: Oklahoma
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • Financial Summary
  • Total assets: $45.3 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $38.5 mil
    Return on assets (ROA): 1.21% ($0.5 mil)
    Quarterly return on assets: 1.51% ($0.7 mil)
    Return on Equity (ROE): 13.72% ($0.5 mil)
    Quarterly return on equity: 17.20% ($0.7 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.21% ($547.7 mil)
    Quarterly Pretax return on assets: 1.51% ($683.4 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
  • 20Total employees (full-time equivalent)
  • $45,261Total assets
  • $2,145Cash and due from depository institutions
  • $36Interest-bearing balances
  • $4,839Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,165Net loans & leases
  • $340Loan loss allowance
  • $0Trading account assets
  • $751Bank premises and fixed assets
  • $181Other real estate owned
  • $0Goodwill and other intangibles
  • $45,261Life insurance assets
  • $1,180All other assets
  • $41,299Total liabilities and capital
  • $38,493Total liabilities
  • $25,518Total deposits
  • $38,493Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 760.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $46Subordinated debt
  • $3,962All other liabilities
  • $3,962Total equity capital
  • $3,962Total bank equity capital
  • $0Perpetual preferred stock
  • $1,142Common stock
  • $1,226Surplus
  • $1,594Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,007Income earned, not collected on loans
  • $0Earning assets
  • $221Long-term assets (5+ years)
  • $41,040Average Assets, year-to-date
  • $5,266Average Assets, quarterly
  • $43,449Volatile liabilities
  • $44,949Insider loans
  • $33,411FHLB advances
  • $43,845Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,823Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,136Restructured Loans and leases
  • $827Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,287Total interest income
  • $189Total interest expense
  • $2,098Net interest income
  • $18Provision for loan and lease losses
  • $639Total noninterest income
  • $0Fiduciary activities
  • $405Service charges on deposit accounts
  • $0Trading account gains & fees
  • $234Additional noninterest income
  • $2,226Total noninterest expense
  • $1,150Salaries and employee benefits
  • $249Premises and equipment expense
  • $827Additional noninterest expense
  • $493Pre-tax net operating income
  • $32Securities gains (losses)
  • $0Applicable income taxes
  • $525Income before extraordinary items
  • $0Extraordinary gains - net
  • $525Net income attributable to bank
  • $0Net charge-offs
  • $525Cash dividends
  • $22Sale, conversion, retirement of capital stock, net
  • $356Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.91%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 5.42%Net interest margin
  • 1.65%Noninterest income to earning assets
  • 5.75%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 13.72%Return on equity (ROE)
  • 4.42%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 81.82%Credit loss provision to net charge-offs
  • 23.23%Efficiency ratio
  • 81,330Assets per employee
  • 2.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.81%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 16.94%Noncurrent assets plus other real estate owned to assets
  • 4.83%Noncurrent loans to loans
  • 5.50%Net loans and leases to deposits
  • 93.95%Net loans and leases to core deposits
  • 105.03%Equity capital to assets
  • 8.75%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 11.44%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $43,449Average earning assets
  • $3,826Average equity
  • $38,724Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011073First Security Bank And Trust Compan1541 North East 23rd Street, Oklahoma City, OK 73111April 06, 1951Full Service Brick and Mortar

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