First Security Bank of Owensboro, Inc. in city_name, state_name

First Security Bank of Owensboro, Inc. in Owensboro, Kentucky (KY), IN
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First Security Bank of Owensboro, Inc. routing number info

First Security Bank of Owensboro, Inc. - Overview

General
FDIC Certificate #: 34524
Status: Active
Federal Reserve ID: 2586281
Bank Holding Company (Regulatory Top Holder): First Security, Inc. (RSSDID: 2917287, Location: Owensboro, KY)
Date Established: August 20, 1997
WWW: http://www.firstsecurity.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 8, Interstate: Yes)
OTS Docket #: 15979
FDIC's unique #: 59031
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 20, 1997
Last Structure Change Effective Date: July 22, 2010
Last Structure Change Process Date: August 10, 2010
Last Data Update: August 10, 2010
Data Source Date: April 05, 2012
Location
Address: 300 Frederica Street, Owensboro, KY 42301
County: Daviess
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Owensboro, KY (#5990)
Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
CBSA Metro Statistical Area: Owensboro, KY (#36980)
History of Changes
Office Purchased
Financial Summary
Total assets: $368.6 mil
Equity capital: $38.5 mil
Deposits held in domestic offices: $308.1 mil
Return on assets (ROA): 0.86% ($3.2 mil)
Quarterly return on assets: 0.99% ($3.7 mil)
Return on Equity (ROE): 8.39% ($3.2 mil)
Quarterly return on equity: 9.47% ($3.6 mil)
Net income: $3.1 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.30% ($4,791.5 mil)
Quarterly Pretax return on assets: 1.51% ($5,565.5 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
109Total employees (full-time equivalent)
$368,578Total assets
$11,255Cash and due from depository institutions
$4,812Interest-bearing balances
$31,731Securities
$80Federal funds sold & reverse repurchase agreements
$289,805Net loans & leases
$2,715Loan loss allowance
$0Trading account assets
$9,277Bank premises and fixed assets
$1,730Other real estate owned
$6,379Goodwill and other intangibles
$368,578Life insurance assets
$18,321All other assets
$330,115Total liabilities and capital
$308,068Total liabilities
$271,880Total deposits
$308,068Interest-bearing deposits
$96Deposits held in domestic offices
17727.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$4,320Subordinated debt
$38,463All other liabilities
$38,463Total equity capital
$38,463Total bank equity capital
$0Perpetual preferred stock
$3,804Common stock
$26,343Surplus
$8,316Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,857Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,764Income earned, not collected on loans
$0Earning assets
$1,509Long-term assets (5+ years)
$326,428Average Assets, year-to-date
$83,076Average Assets, quarterly
$358,309Volatile liabilities
$368,146Insider loans
$276,819FHLB advances
$365,388Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$31,759Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$38,610Restructured Loans and leases
$5,273Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$18,204Total interest income
$3,538Total interest expense
$14,666Net interest income
$1,600Provision for loan and lease losses
$2,134Total noninterest income
$0Fiduciary activities
$513Service charges on deposit accounts
$0Trading account gains & fees
$1,621Additional noninterest income
$11,474Total noninterest expense
$5,640Salaries and employee benefits
$1,777Premises and equipment expense
$4,057Additional noninterest expense
$3,726Pre-tax net operating income
$940Securities gains (losses)
$1,575Applicable income taxes
$3,091Income before extraordinary items
$0Extraordinary gains - net
$3,091Net income attributable to bank
$0Net charge-offs
$3,091Cash dividends
$926Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.56%Yield on earning assets
1.08%Cost of funding earning assets
4.48%Net interest margin
0.65%Noninterest income to earning assets
3.50%Noninterest expense to earning assets
0.69%Net operating income to assets
0.86%Return on assets (ROA)
1.30%Pretax return on assets
8.39%Return on equity (ROE)
8.39%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
172.79%Credit loss provision to net charge-offs
5.75%Efficiency ratio
66,524Assets per employee
3.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.93%Loss allowance to noncurrent loans
72.13%Noncurrent assets plus other real estate owned to assets
1.49%Noncurrent loans to loans
1.29%Net loans and leases to deposits
94.07%Net loans and leases to core deposits
97.27%Equity capital to assets
10.44%Core capital (leverage) ratio
8.69%Tier 1 risk-based capital ratio
11.47%Total risk-based capital ratio
Memoranda
$12Average assets
$358,309Average earning assets
$36,857Average equity
$327,530Average loans

List of branches

1 Indiana Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
3	485222	Evansville Branch	123 Green River Road, Evansville, IN 47715	January 02, 2009	Full Service Brick and Mortar

8 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	59031	First Security Bank Of Owensboro, Inc.	300 Frederica Street, Owensboro, KY 42301	August 20, 1997	Full Service Brick and Mortar
1	290677	Owensboro Branch	3560 South Frederica, Owensboro, KY 42301	March 10, 1998	Full Service Brick and Mortar
4	41659	Bowling Green Downtown Office	1018 Chestnut St, Bowling Green, KY 42101	January 01, 1928	Full Service Brick and Mortar
5	270864	Franklin Office	303 North Main Street, Franklin, KY 42135	January 01, 1928	Full Service Brick and Mortar
6	270865	Scottsville Rd Office	2009 Scottsville Road, Bowling Green, KY 42104	October 28, 1991	Full Service Brick and Mortar
7	270866	Greenwood Mall Office	1960 Cave Mill Road, Bowling Green, KY 42104	January 17, 1996	Full Service Brick and Mortar
8	425247	Campbell Lane Office	771 Campbell Lane, Bowling Green, KY 42104	January 20, 2004	Full Service Brick and Mortar
9	529510	Lexington Ky Branch	2352 Sir Barton Way, Lexington, KY 40509	March 02, 2012	Full Service Brick and Mortar

First Security Bank of Owensboro, Inc. in Owensboro, Kentucky (KY), IN
Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank of Owensboro, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Security Bank of Owensboro, Inc. in Owensboro, Kentucky (KY), INOverview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank of Owensboro, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Security Bank of Owensboro, Inc. in Owensboro, Kentucky (KY), IN
Overview, Financial Summary, Detailed Financial Reports, Branches