Security Bank and Trust Company (OK)

Security Bank and Trust Company (OK) is headquartered in Miami and is the 151^st largest bank in the state of Oklahoma. It is also the 5,506^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 28 employees at 3 locations. Security Bank and Trust Company (OK) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Security Bank and Trust Company FDIC Certificate # 9881 BankRate Report View Year Established 1922 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $79.24 million Loans $36.39 million Deposits $67.50 million Equity Capital $8.75 million Loan Loss Allowance $911,000 Unbacked Noncurrent Loans $1.12 million Real Estate Owned $800,000 Historic Data - March 2011 Assets $77.17 million Equity Capital $8.10 million Loan Loss Allowance $924,000 Unbacked Noncurrent Loans $530,000 Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 1.62% Return on Equity 14.72% Interest Income $767,000

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 March 31, 2012 Security Bank and Trust Company (OK) had $1.92 million in non-current loans and owned real-estate with $9.66 million in equity and loan loss allowances on hand to cover it. This gives Security Bank and Trust Company (OK) a Texas Ratio of 19.87% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Security Bank and Trust Company (OK) held steady from 22.01% as of March 31, 2011 to 19.87% as of March 31, 2012, resulting in a positive change of 9.74%.This indicates that the balance sheet and financial strength for Security Bank and Trust Company (OK) has held steady in recent periods. Deposit Growth In the past year, Security Bank and Trust Company (OK) has increased its total deposits by $1.64 million, resulting in 2.5% 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 Security Bank and Trust Company (OK) has shown is above average. 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. Security Bank and Trust Company (OK) has $79.24 million in assets with $9.66 million in equity, resulting in a capitalization level of 12.19%, which is excellent.

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