Security Bank in Stephens, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Security Bank - Overview

  • General
  • FDIC Certificate #: 16395
    Status: Active
    Federal Reserve ID: 741648
    Bank Holding Company (Regulatory Top Holder): Smith Associated Banking Corporation (RSSDID: 1098004, Location: Hot Springs, AR)
    Date Established: April 01, 1946
    WWW: http://www.secbnk.com
    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 #: 10573
    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: April 01, 1946
    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: 108 Ruby Street, Stephens, AR 71764
    County: Ouachita
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Camden, AR (#15780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $50.1 mil
    Equity capital: $4.1 mil
    Deposits held in domestic offices: $44.9 mil
    Return on assets (ROA): 0.65% ($0.3 mil)
    Quarterly return on assets: 0.13% ($0.1 mil)
    Return on Equity (ROE): 8.53% ($0.3 mil)
    Quarterly return on equity: 1.57% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.87% ($436.0 mil)
    Quarterly Pretax return on assets: 0.30% ($150.4 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
  • 17Total employees (full-time equivalent)
  • $50,119Total assets
  • $4,125Cash and due from depository institutions
  • $3,299Interest-bearing balances
  • $6,469Securities
  • $150Federal funds sold & reverse repurchase agreements
  • $35,342Net loans & leases
  • $614Loan loss allowance
  • $0Trading account assets
  • $1,780Bank premises and fixed assets
  • $90Other real estate owned
  • $0Goodwill and other intangibles
  • $50,119Life insurance assets
  • $2,163All other assets
  • $46,059Total liabilities and capital
  • $44,896Total liabilities
  • $40,683Total deposits
  • $44,896Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,163Subordinated debt
  • $4,060All other liabilities
  • $4,060Total equity capital
  • $4,060Total bank equity capital
  • $500Perpetual preferred stock
  • $275Common stock
  • $559Surplus
  • $2,726Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $200Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $564Income earned, not collected on loans
  • $0Earning assets
  • $306Long-term assets (5+ years)
  • $45,260Average Assets, year-to-date
  • $7,062Average Assets, quarterly
  • $47,456Volatile liabilities
  • $49,318Insider loans
  • $31,883FHLB advances
  • $49,450Loans and leases held for sale
  • $1,166Unused loan commitments
  • $1,166Tier 1 (core) risk-based capital
  • $3,973Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,296Restructured Loans and leases
  • $590Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,537Total interest income
  • $571Total interest expense
  • $1,966Net interest income
  • $284Provision for loan and lease losses
  • $284Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $222Additional noninterest income
  • $1,565Total noninterest expense
  • $779Salaries and employee benefits
  • $196Premises and equipment expense
  • $590Additional noninterest expense
  • $401Pre-tax net operating income
  • $10Securities gains (losses)
  • $104Applicable income taxes
  • $307Income before extraordinary items
  • $0Extraordinary gains - net
  • $307Net income attributable to bank
  • $0Net charge-offs
  • $307Cash dividends
  • $94Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.97%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 8.53%Return on equity (ROE)
  • 7.14%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 302.13%Credit loss provision to net charge-offs
  • 7.29%Efficiency ratio
  • 69,556Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.29%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 108.87%Noncurrent assets plus other real estate owned to assets
  • 1.30%Noncurrent loans to loans
  • 1.57%Net loans and leases to deposits
  • 78.72%Net loans and leases to core deposits
  • 89.71%Equity capital to assets
  • 8.10%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 12.46%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $47,456Average earning assets
  • $3,597Average equity
  • $42,527Average loans

List of branches

  • 1 Arkansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010573Security Bank108 Ruby Street, Stephens, AR 71764April 01, 1946Full Service Brick and Mortar

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