Institution Statistics
| FIRST SECURITY | | NCUA # | 62061 | | BankRate Report | View | | Year Chartered | 1930 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.36 million | | Loans | $2.71 million | | Deposits | $3.67 million | | Equity Capital | $689,000 | | Loan Loss Allowance | $49,000 | | Unbacked Noncurrent Loans | $54,000 |
Historic Data - December 2010 | | Assets | $5.13 million | | Equity Capital | $755,000 | | Loan Loss Allowance | $34,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.26% | | Return on Assets | -1.7% | | Return on Equity | -10.74% | | Interest Income | $219,000 | | Non-Interest Income | $18,000 |
|
|
Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 First Security had $54,000 in non-current loans and owned real-estate with $738,000 in equity and loan loss allowances on hand to cover it. This gives First Security a Texas Ratio of 7.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, First Security has decreased its total deposits by $-706,000, resulting in -16.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Security has shown is poor. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Security has $4.36 million in assets with $738,000 in equity, resulting in a capitalization level of 16.92%, which is excellent. |
|
