The First Security Bank in Overbrook, Kansas (KS)

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The First Security Bank routing number info

Table of contents:
The First Security Bank
GeneralFDIC Certificate #: 4752
Status: Active
Federal Reserve ID: 460350
Bank Holding Company (Regulatory Top Holder): Overbrook Bankshares, Inc. (RSSDID: 1063776, Location: Overbrook, KS)
Date Established: April 01, 1904
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 3168
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: May 24, 2010
Last Structure Change Process Date: June 25, 2010
Last Data Update: June 25, 2010
Data Source Date: April 05, 2012
LocationAddress: 312 Maple Street, Overbrook, KS 66524
County: Osage
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Topeka, KS (#45820)
CBSA Metro Statistical Area: Topeka, KS (#45820)
History of ChangesCorrections
Office Purchased
Financial SummaryTotal assets: $35.7 mil
Equity capital: $4.6 mil
Deposits held in domestic offices: $31.0 mil
Return on assets (ROA): 0.55% ($0.2 mil)
Quarterly return on assets: 1.04% ($0.4 mil)
Return on Equity (ROE): 4.39% ($0.2 mil)
Quarterly return on equity: 8.27% ($0.4 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.57% ($203.3 mil)
Quarterly Pretax return on assets: 1.08% ($385.2 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)9
Total assets$35,664
Cash and due from depository institutions$4,515
Interest-bearing balances$3,333
Federal funds sold & reverse repurchase agreements$650
Net loans & leases$22,474
Loan loss allowance $322
Trading account assets$0
Bank premises and fixed assets$928
Other real estate owned$0
Goodwill and other intangibles$837
All other assets$1,397
Life insurance assets$35,664
Total liabilities and capital$31,090
Total liabilities$31,027
Total deposits$25,650
Interest-bearing deposits$31,027
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $63
All other liabilities $4,574
Total equity capital$4,574
Total bank equity capital$4,574
Perpetual preferred stock$0
Common stock$100
Undivided profits $297
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $395
Earning assets $0
Long-term assets (5+ years) $236
Average Assets, year-to-date $31,320
Average Assets, quarterly $10,238
Volatile liabilities $35,382
Insider loans $36,264
FHLB advances $23,216
Loans and leases held for sale $36,045
Unused loan commitments $863
Tier 1 (core) risk-based capital $863
Tier 2 risk-based capital $3,635
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,800
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,541
Total interest expense $216
Net interest income $1,325
Provision for loan and lease losses $44
Total noninterest income $142
Fiduciary activities $0
Service charges on deposit accounts $66
Trading account gains & fees $0
Additional noninterest income $76
Total noninterest expense $1,221
Salaries and employee benefits $693
Premises and equipment expense $134
Additional noninterest expense $394
Pre-tax net operating income $202
Securities gains (losses) $0
Applicable income taxes $7
Income before extraordinary items $195
Extraordinary gains - net $0
Net income attributable to bank $195
Net charge-offs $0
Cash dividends $195
Sale, conversion, retirement of capital stock, net $31
Net operating income $94
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.15%
Cost of funding earning assets 0.72%
Net interest margin 4.43%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 4.08%
Net operating income to assets 0.55%
Return on assets (ROA) 0.55%
Pretax return on assets 0.57%
Return on equity (ROE) 4.39%
Retained earnings to average equity (YTD only) 2.27%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 141.94%
Efficiency ratio7.94%
Assets per employee$80,027
Cash dividends to net income (YTD only)3.96%
Condition Ratios (%)
Loss allowance to loans 48.21%
Loss allowance to noncurrent loans 1.41%
Noncurrent assets plus other real estate owned to assets 81.52%
Noncurrent loans to loans 1.11%
Net loans and leases to deposits1.73%
Net loans and leases to core deposits 72.43%
Equity capital to assets 74.68%
Core capital (leverage) ratio 12.83%
Tier 1 risk-based capital ratio 10.08%
Total risk-based capital ratio 15.66%
Average assets$17
Average earning assets$35,382
Average equity $4,446
Average loans $29,925
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2 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03168The First Security Bank312 Maple Street, Overbrook, KS 66524April 01, 1904Full Service Brick and Mortar
1290251Paola Branch29 Wea Street, Paola, KS 66071July 15, 1999Full Service Brick and Mortar
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