Security Bank and Trust Company in Scott City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Security Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10620
    Status: Active
    Federal Reserve ID: 828053
    Bank Holding Company (Regulatory Top Holder): First Southeast Missouri Bancorporation, Inc. (RSSDID: 1096402, Location: Scott City, MO)
    Date Established: June 05, 1905
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 6807
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 1514 Main Street, Scott City, MO 63780
    County: Scott
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Cape Girardeau-Sikeston-Jackson, MO-IL (#164)
    Core Based Statistical Area (CBSA): Sikeston, MO (#43460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.1 mil
    Equity capital: $6.7 mil
    Deposits held in domestic offices: $70.4 mil
    Return on assets (ROA): 0.80% ($0.6 mil)
    Quarterly return on assets: 0.85% ($0.7 mil)
    Return on Equity (ROE): 9.16% ($0.6 mil)
    Quarterly return on equity: 10.01% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.80% ($625.0 mil)
    Quarterly Pretax return on assets: 0.85% ($664.0 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
  • 33Total employees (full-time equivalent)
  • $78,119Total assets
  • $6,341Cash and due from depository institutions
  • $3,982Interest-bearing balances
  • $23,453Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,945Net loans & leases
  • $408Loan loss allowance
  • $0Trading account assets
  • $940Bank premises and fixed assets
  • $735Other real estate owned
  • $0Goodwill and other intangibles
  • $78,119Life insurance assets
  • $1,705All other assets
  • $71,468Total liabilities and capital
  • $70,369Total liabilities
  • $56,521Total deposits
  • $70,369Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $99Subordinated debt
  • $6,651All other liabilities
  • $6,651Total equity capital
  • $6,651Total bank equity capital
  • $0Perpetual preferred stock
  • $288Common stock
  • $1,688Surplus
  • $4,675Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $59Income earned, not collected on loans
  • $0Earning assets
  • $280Long-term assets (5+ years)
  • $72,380Average Assets, year-to-date
  • $13,781Average Assets, quarterly
  • $74,396Volatile liabilities
  • $77,662Insider loans
  • $43,281FHLB advances
  • $77,680Loans and leases held for sale
  • $879Unused loan commitments
  • $879Tier 1 (core) risk-based capital
  • $6,542Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,338Restructured Loans and leases
  • $1,506Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,123Total interest income
  • $513Total interest expense
  • $2,610Net interest income
  • $34Provision for loan and lease losses
  • $428Total noninterest income
  • $0Fiduciary activities
  • $315Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $2,412Total noninterest expense
  • $1,405Salaries and employee benefits
  • $356Premises and equipment expense
  • $651Additional noninterest expense
  • $592Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $592Income before extraordinary items
  • $0Extraordinary gains - net
  • $592Net income attributable to bank
  • $0Net charge-offs
  • $592Cash dividends
  • $40Sale, conversion, retirement of capital stock, net
  • $217Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 9.16%Return on equity (ROE)
  • 5.80%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 85.00%Credit loss provision to net charge-offs
  • 15.65%Efficiency ratio
  • 79,394Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.66%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 691.53%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 63.87%Net loans and leases to core deposits
  • 65.75%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 15.12%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $74,396Average earning assets
  • $6,465Average equity
  • $68,564Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06807Security Bank And Trust Company1514 Main Street, Scott City, MO 63780June 05, 1905Full Service Brick and Mortar
    1222794Drive-In BranchJames Street And Outer Road, Scott City, MO 63780September 02, 1972Limited Service Facility
    216826Marble Hill Branch305 First Street, Marble Hill, MO 63764December 10, 1982Full Service Brick and Mortar
    3218251Patton BranchHighways 72 And 51, Patton, MO 63662April 01, 1981Limited Service Facility
    4425214Broadway Branch440 Broadway Street, Cape Girardeau, MO 63701December 15, 2003Full Service Brick and Mortar

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