The First Security Bank in Overbrook, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First Security Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Office Purchased
  • Financial Summary
  • Total 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
  • 9Total employees (full-time equivalent)
  • $35,664Total assets
  • $4,515Cash and due from depository institutions
  • $3,333Interest-bearing balances
  • $4,863Securities
  • $650Federal funds sold & reverse repurchase agreements
  • $22,474Net loans & leases
  • $322Loan loss allowance
  • $0Trading account assets
  • $928Bank premises and fixed assets
  • $0Other real estate owned
  • $837Goodwill and other intangibles
  • $35,664Life insurance assets
  • $1,397All other assets
  • $31,090Total liabilities and capital
  • $31,027Total liabilities
  • $25,650Total deposits
  • $31,027Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $63Subordinated debt
  • $4,574All other liabilities
  • $4,574Total equity capital
  • $4,574Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $4,177Surplus
  • $297Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $395Income earned, not collected on loans
  • $0Earning assets
  • $236Long-term assets (5+ years)
  • $31,320Average Assets, year-to-date
  • $10,238Average Assets, quarterly
  • $35,382Volatile liabilities
  • $36,264Insider loans
  • $23,216FHLB advances
  • $36,045Loans and leases held for sale
  • $863Unused loan commitments
  • $863Tier 1 (core) risk-based capital
  • $3,635Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,800Restructured Loans and leases
  • $362Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,541Total interest income
  • $216Total interest expense
  • $1,325Net interest income
  • $44Provision for loan and lease losses
  • $142Total noninterest income
  • $0Fiduciary activities
  • $66Service charges on deposit accounts
  • $0Trading account gains & fees
  • $76Additional noninterest income
  • $1,221Total noninterest expense
  • $693Salaries and employee benefits
  • $134Premises and equipment expense
  • $394Additional noninterest expense
  • $202Pre-tax net operating income
  • $0Securities gains (losses)
  • $7Applicable income taxes
  • $195Income before extraordinary items
  • $0Extraordinary gains - net
  • $195Net income attributable to bank
  • $0Net charge-offs
  • $195Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $94Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 4.08%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 4.39%Return on equity (ROE)
  • 2.27%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 141.94%Credit loss provision to net charge-offs
  • 7.94%Efficiency ratio
  • 80,027Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.21%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 81.52%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.73%Net loans and leases to deposits
  • 72.43%Net loans and leases to core deposits
  • 74.68%Equity capital to assets
  • 12.83%Core capital (leverage) ratio
  • 10.08%Tier 1 risk-based capital ratio
  • 15.66%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $35,382Average earning assets
  • $4,446Average equity
  • $29,925Average loans

List of branches

  • 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

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First Security Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents