Institution Statistics
| The First Security Bank | | FDIC Certificate # | 4752 | | BankRate Report | View | | Year Established | 1904 | | Employees | 10 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $38.08 million | | Loans | $23.78 million | | Deposits | $33.43 million | | Equity Capital | $4.56 million | | Loan Loss Allowance | $326,000 | | Unbacked Noncurrent Loans | $4,000 | | Real Estate Owned | $375,000 |
Historic Data - March 2011 | | Assets | $36.03 million | | Equity Capital | $4.37 million | | Loan Loss Allowance | $306,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.41% | | Return on Assets | 1.61% | | Return on Equity | 12.96% | | Interest Income | $400,000 |
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Institution Health
Overall Score:
5 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 The First Security Bank had $379,000 in non-current loans and owned real-estate with $4.89 million in equity and loan loss allowances on hand to cover it. This gives The First Security Bank a Texas Ratio of 7.76% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, The First Security Bank has increased its total deposits by $1.85 million, resulting in 5.85% 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 The First Security Bank has shown is excellent. | | 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. The First Security Bank has $38.08 million in assets with $4.89 million in equity, resulting in a capitalization level of 12.83%, which is excellent. |
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