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

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