FDIC Certificate #: 17001 Status: Active Federal Reserve ID: 377850 Bank Holding Company (Regulatory Top Holder): Fsb Bancshares, Inc. (RSSDID: 3602058, Location: Oklahoma City, OK) Date Established: April 06, 1951 WWW:http://www.fsbokc.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 #: 11073 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 06, 1951 Last Structure Change Effective Date: September 21, 2009 Last Structure Change Process Date: October 13, 2009 Last Data Update: October 13, 2009 Data Source Date: April 05, 2012
Location
Address: 1541 North East 23rd Street, Oklahoma City, OK 73111 County: Oklahoma Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Oklahoma City Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880) Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416) Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420) CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
Financial Summary
Total assets: $45.3 mil Equity capital: $4.0 mil Deposits held in domestic offices: $38.5 mil Return on assets (ROA): 1.21% ($0.5 mil) Quarterly return on assets: 1.51% ($0.7 mil) Return on Equity (ROE): 13.72% ($0.5 mil) Quarterly return on equity: 17.20% ($0.7 mil) Net income: $0.5 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.21% ($547.7 mil) Quarterly Pretax return on assets: 1.51% ($683.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$45,261Total assets
$2,145Cash and due from depository institutions
$36Interest-bearing balances
$4,839Securities
$0Federal funds sold & reverse repurchase agreements
$36,165Net loans & leases
$340Loan loss allowance
$0Trading account assets
$751Bank premises and fixed assets
$181Other real estate owned
$0Goodwill and other intangibles
$45,261Life insurance assets
$1,180All other assets
$41,299Total liabilities and capital
$38,493Total liabilities
$25,518Total deposits
$38,493Interest-bearing deposits
$92Deposits held in domestic offices
760.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$46Subordinated debt
$3,962All other liabilities
$3,962Total equity capital
$3,962Total bank equity capital
$0Perpetual preferred stock
$1,142Common stock
$1,226Surplus
$1,594Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,007Income earned, not collected on loans
$0Earning assets
$221Long-term assets (5+ years)
$41,040Average Assets, year-to-date
$5,266Average Assets, quarterly
$43,449Volatile liabilities
$44,949Insider loans
$33,411FHLB advances
$43,845Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,823Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,136Restructured Loans and leases
$827Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,287Total interest income
$189Total interest expense
$2,098Net interest income
$18Provision for loan and lease losses
$639Total noninterest income
$0Fiduciary activities
$405Service charges on deposit accounts
$0Trading account gains & fees
$234Additional noninterest income
$2,226Total noninterest expense
$1,150Salaries and employee benefits
$249Premises and equipment expense
$827Additional noninterest expense
$493Pre-tax net operating income
$32Securities gains (losses)
$0Applicable income taxes
$525Income before extraordinary items
$0Extraordinary gains - net
$525Net income attributable to bank
$0Net charge-offs
$525Cash dividends
$22Sale, conversion, retirement of capital stock, net
$356Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.91%Yield on earning assets
0.49%Cost of funding earning assets
5.42%Net interest margin
1.65%Noninterest income to earning assets
5.75%Noninterest expense to earning assets
1.13%Net operating income to assets
1.21%Return on assets (ROA)
1.21%Pretax return on assets
13.72%Return on equity (ROE)
4.42%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
81.82%Credit loss provision to net charge-offs
23.23%Efficiency ratio
81,330Assets per employee
2.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.81%Loss allowance to loans
0.93%Loss allowance to noncurrent loans
16.94%Noncurrent assets plus other real estate owned to assets
4.83%Noncurrent loans to loans
5.50%Net loans and leases to deposits
93.95%Net loans and leases to core deposits
105.03%Equity capital to assets
8.75%Core capital (leverage) ratio
8.72%Tier 1 risk-based capital ratio
11.44%Total risk-based capital ratio
Memoranda
$12Average assets
$43,449Average earning assets
$3,826Average equity
$38,724Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11073
First Security Bank And Trust Compan
1541 North East 23rd Street, Oklahoma City, OK 73111
April 06, 1951
Full Service Brick and Mortar
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