FRY9SP_1067194_20051231

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NOTE: The Parent Company Only Financial Statements for Small

Bank Holding Companies must be signed by an authorized officer

!,

have renewed that Parent Company Only Financial Statements for

Small Bank Holding Companies filed by the named bank holding

company and believe that the report has been prepared in accor-dance with instructions issued by the Federal Reserve.

Signature of Bank Holding Company Official

Date of Signature

Public reporting burden for this information collection is estimated to vary from 1.5 to 8 hours per response, with an average of 4.186 hours per response, including time to gathand maintain data in the required form and to review instructions and complete the information collection. Comments regarding this burden estimate or any other aspect of thinformation collection, including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve System, Washington, D.C. 20551, ato the Office of Management and Budget, Paperwork Reduction Project (71000128), Washington, D.C. 20503.

Board of Governors of the Federal Reserve System

Parent Company Only Financial Statementsfor Small Bank Holding CompaniesFR Y-9SPReport at the close of business as of the last calendar day of June and December

FR Y-9SPOMB Number 71000128Ave. hrs. per response: 4Expires March 31, 2008

This Report is required by law: Section 5(c) of the Bank Holding

Company Act (12 U.S.C. 1844) and Section 225.5(b) of Regulation

Y [12 CFR 225.5(b)].

This report form is to be filed by the small bank holding companies.

For purposes of this report, small bank holding companies are bank

holding companies that have one subsidiary bank and have totalconsolidated assets of less than $150 million, or multi-bank holding

companies with total consolidated assets of less than $150 million,

without any debt outstanding to the general public and not engage

in a nobank activity (either directly or indirectly) involving financ

leverage and not engaged in credit extending activities. When suc

bank holding companies are tiered bank holding companies, sep

rate reports are also to be filed by each of the subsidiary bank hol

ing companies. The Federal Reserve may not conduct or sponso

and an organization (or a person) is not required to respond to, collection of information unless it displays a currently valid OM

control number.

Person to whom questions about this report should be directed:

Name / Title (TEXT 8901)

Area Code / Phone Number (TEXT 8902)

Month / Date / Year (BHSP 9999)

December 31, 2005

The Parent Company Only Financial Statements for Large Ba

Holding Companies is to be prepared in accordance with th

instructions provided by the Federal Reserve System.

Date of Report:

(Mailing Address of the Bank Holding Company) Street / P.O. Box (TEXT 9110)

Legal Title of Bank Holding Company (TEXT 9010)

City (TEXT 9130) State (TEXT 9200) Zip Code (TEXT 9220

Return to the appropriate Federal Reserve District Bank the completed original and the number of copies specified by the District Bank

For Federal Reserve Bank Use Only

C.I. S.F.

RSSD ID

FAX Number (TEXT 9116)

E-mail Address of Contact (TEXT 4086)

Name and Title of Officer

20090606.003720Last Update:

RSSD ID 1067194

73521OK

721 N MAIN STREET

ALTUS

FSB BANCORP, INC.

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1. Income from bank subsidiary(s):

a. Dividends ......................................................................................................................................

b. Other income .................................................................................................................................

2. Income from nonbank subsidiary(s):

a. Dividends ......................................................................................................................................

b. Other income .................................................................................................................................

3. Income from subsidiary bank holding company(s):

a. Dividends ......................................................................................................................................

b. Other income .................................................................................................................................

4. Other income .....................................................................................................................................

5. TOTAL OPERATING INCOME (Sum of items 1, 2, 3, and 4) ............................................................

6. Interest expense ................................................................................................................................7. Other expenses ..................................................................................................................................

8. TOTAL OPERATING EXPENSE (Sum of items 6 and 7) ...................................................................

9. Income (loss) before income taxes and before undistributed income of subsidiary(s)

(item 5 minus item 8)..........................................................................................................................

10. Applicable income taxes (benefits) (estimated) (See instructions) ....................................................

11. Income (loss) before undistributed income of subsidiary(s) (item 9 minus item 10) ..........................

12. Equity in undistributed income (loss) of subsidiary(s): (See instructions)

a. Bank subsidiary(s) .........................................................................................................................

b. Nonbank subsidiary(s) ..................................................................................................................

c. Subsidiary bank holding company(s) ............................................................................................

13. Net income (loss) (Sum of items 11 and 12) ......................................................................................

MEMORANDA1. Cash dividends declared by the bank holding company to its shareholders .....................................

FR Y9Page 1

Name of Bank Holding Company

Parent Company Only Financial Statements forSmall Bank Holding Companies

For Federal Reserve Bank Use Only

RSSD Number

C.I. S.F.

0508

2111

0523

0530

0206

1283

0447

4000

40734093

4130

4250

4302

0496

3156

2112

3513

4340

3158

The Income Statement is to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule SIIncome Statement

Dollar Amounts in Thousands

1.a.

1.b.

2.a.

2.b.

3.a.

3.b.

4.

5.

6.7.

8.

9.

10.

11.

12.a.

12.b.

12.c.

13.

M.1.

BHSP

2. Does the reporting bank holding company have a Subchapter S election in effect for federal income tax

purposes for the current tax year? (Enter 1 for yes; enter 0 for no.) .................................................. M.2.

BHSP

A530

3. Interest expense paid to special-purpose subsidiaries that issued trust preferred securities

(included in item 7 above) ..................................................................................................................

BHSP

M.3.C254

RSSD ID

1067194

FSB BANCORP, INC.

236

1

431

1064

33

1325

-294

0

-294

329

329

0

35

28

0

7

0

0

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ASSETS

1. Cash and due from depository institutions:

a. Balances with subsidiary or affiliated depository institutions .........................................................

b. Balances with unrelated depository institutions ............................................................................2. Securities ...........................................................................................................................................

3. Loans and lease financing receivables (exclusive of loans and lease financing receivables due

from bank(s) and nonbank subsidiaries):

a. Loans and leases, net of unearned income .............................................

b. LESS: Allowance for loan and lease losses .............................................

c. Loans and leases, net of unearned income and the allowance for loan and lease losses

(Item 3.a minus 3.b) ......................................................................................................................

4. Investment in bank subsidiary(s): (See instructions)

a. Equity investment ..........................................................................................................................

b. Goodwill ........................................................................................................................................

c. Loans and advances to and receivables due from bank subsidiary(s) .........................................

5. Investment in nonbank subsidiary(s): (See instructions)


b. Goodwill ........................................................................................................................................

c. Loans and advances to and receivables due from nonbank subsidiary(s) ...................................

6. Investment in subsidiary bank holding company(s) (These items are to be completed only by

tiered bank holding companies):


b. Goodwill ........................................................................................................................................

c. Loans and advances to and receivables due from subsidiary bank holding company(s) .............

7. Other assets .......................................................................................................................................

8. Balances due from related nonbank companies (other than investments) ........................................

9. TOTAL ASSETS (Sum of items 1 through 8) .....................................................................................

LIABILITIES AND EQUITY CAPITAL10. Short-term borrowings:

a. Commercial paper .........................................................................................................................

b. Other short-term borrowings .........................................................................................................

11. Long-term borrowings (includes limited-life preferred stock and related surplus) ..............................

12. Accrued interest payable (See instructions) ......................................................................................

13. Other liabilities ...................................................................................................................................

14. Balances due to subsidiaries and related institutions:

a. Subsidiary bank(s) ........................................................................................................................

b. Nonbank subsidiaries and related institutions ...............................................................................

15. Not applicable

16. Equity capital:

a. Perpetual preferred stock (including related surplus) ....................................................................

b. Common stock (including related surplus) ....................................................................................c. Retained earnings .........................................................................................................................

d. Accumulated other comprehensive income1 .................................................................................

e. Other equity capital components2..................................................................................................

f. Total equity capital (sum of 16.a through 16.e) .............................................................................

17. TOTAL LIABILITIES AND EQUITY CAPITAL (Sum of items 10 through 14.b, and 16.f) ...................

2122

3123

5993

00100390

2723

3239

3238

3148

0088

0087

0089

0201

0202

3523

0027

3620

2170

2309

2724

3151

3166

3167

3605

3621

3283

32303247

B530

A130

3210

3300

Schedule SCBalance Sheet

Dollar Amounts in Thousands BHSP

1.a.

1.b.2.

3.a.

3.b.

3.c.

4.a.

4.b.

4.c.

5.a.

5.b.

5.c.

6.a.

6.b.

6.c.

7.

8.

9.

10.a.

10.b.

11.

12.

13.

14.a.

14.b.

16.a.

16.b.16.c.

16.d.

16.e.

16.f.

17.

FR YPage

1. Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreig

currency translation adjustments, and minimum pension liability adjustments.2. Includes treasury stock and unearned Employee Stock Ownership Plan shares.

1067194RSSD ID

13731

10227

-21

-516

72373527

0

3501

0

3

0

0

0

0

13731

0

187

2

0

210

0

0

10117

0

0

0

1018

0

2197

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TEXT8520

BHSP

1. Total consolidated assets of the bank holding company ..................................................................

2. Bank holding company (parent company only) borrowings not held by financial institution(s) or

by insiders (including directors) and their interests (included in items 10 or 11 above) .....................

3. Treasury stock (report only if the amount exceeds 5% of equity capital) included in item 16.e

above .................................................................................................................................................

4. Amount of nonvoting equity capital, including related surplus (included in balance sheetitems 16.a., 16.b., 16.c., and 16.d.) ..................................................................................................

5. Total loans from parent bank holding company and nonbank subsidiary(s) to insiders

(excluding directors) and their interests .............................................................................................

6. Pledged securities ..............................................................................................................................

7. a. Fair value of securities classified as available-for-sale in item 2 of the balance sheet .................

b. Amortized cost of securities classified as held-to-maturity in item 2 of the balance sheet ............

8. a. Total off-balance-sheet activities conducted either directly or through a nonbank subsidiary .......

b. Total debt and equity securities (other than trust perferred securities) outstanding that are

registered with the Securities and Exchange Commission ...........................................................

9. Balances held by the subsidiary bank(s) due from nonbank subsidiaries of the parent bank

holding company ................................................................................................................................

10. Balances held by the subsidiary bank(s) due to nonbank subsidiaries of the parent bank holding ...

Schedule SC-MMemorandaItems 1 through 13 are to be completed by all bank holding companies filing the FR Y9SP report.

13. Notes payable to special-purpose subsidiaries that issued trust preferred securities (included in

balance sheet, item 14.b) ...................................................................................................................

14. Have all changes in investments and activities been reported to the Federal Reserve on the

Bank Holding Company Report of Changes in Organizational Structure (FR Y-10)? This

item must be completed only by the top-tier bank holding company (and single-tier bank

holding companies). The top-tier bank holding company must not leave blank or enter

N/A. Lower-tier bank holding companies should report N/A. The top-tier bank holding

company must enter 1 for yes or for no changes to report; or enter 0 for no.If the

answer to this question is no, complete the FR Y-10. ..................................................................

8519

3152

3153

C702

3155

0416

8516

8517

xxxx

xxxx

6796

6797

A024

C256

2145

2148

C009

8520

8521

8522

3066

C257

2932

3049

8523

8524

8525

C255

FR YPage


M.1.

M.2.

M.3.

M.4.

M.5.

M.6.

M.7.a.

M.7.b.

M.8.a

M.8.b.

M.9.

M.10.

M.11.a.

M.11.b.

M.11.c.

M.11.d.

M.11.e.

M.11.f.

M.11.g.

M.11.h.

M.12.a.

M.12.b.

M.12.c.

M.12.d.

M.12.e.

M.12.f.

M.12.g.

M.13.

11. Other assets (only report amounts that exceed 25 percent of balance sheet, line item 7):a. Accounts receivable ......................................................................................................................

b. Income taxes receivable ...............................................................................................................

c. Premises and fixed assets ............................................................................................................

d. Net deferred tax assets .................................................................................................................

e. Cash surrender value of life insurance policies .............................................................................

TEXT8521

TEXT8522

e.

f.

g.

12. Other liabilities (only report amounts that exceed 25 percent of balance sheet, line item 13):

a. Accounts payable ..........................................................................................................................

b. Income taxes payable ...................................................................................................................

c. Dividends payable .........................................................................................................................

d. Net deferred tax liabilities ..............................................................................................................

Area Code and Phone Number (TEXT 9009)

M.14.

TEXT

8523

TEXT

8525

TEXT

8524

BHSP

6416

TEXT

6428

Name of bank holding company official verifying FR Y10 reporting(Please type or print name)

f.

g.

h.

0

RSSD ID 1067194

STATE INCOME TAX WITHHOLDING PAYABLE

DISCOUNT ON PREFERRED SECURITIES

REAL ESTATE

1

3000

3

0

0

0

0

86

80

0

0

0

0

0

0

1986

0

1018

0

0

0

0

98466

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15. Short-term borrowings included in balance sheet item 14.b:

a. From parent bank holding company ..............................................................................................

b. From subsidiary bank holding company ........................................................................................

16. Long-term borrowings included in balance sheet item 14.b:a. From parent bank holding company ..............................................................................................

b. From subsidiary bank holding company ........................................................................................

Memorandum Item 17 is to be completed only by the top-tier bank holding company

(and single-tier bank holding companies) for its consolidated nonbank and thrift subsidiaries:

17. a. Total combined nonbank assets of nonbank subsidiaries .............................................................

b. Total combined loans and leases of nonbank subsidiaries ...........................................................

c. Total aggregate operating revenue of nonbank subsidiaries .........................................................

d. Combined thrift assets included in 17.a ........................................................................................

e. Number of nonbank subsidiaries included in 17.a ...................................

f. Number of thrift subsidiaries included in 17.d ..........................................

Schedule SC-MContinuedMemoranda items 15 and 16 should only be completed by tiered bank holding companies:

Memoranda items 21 and 22 are to be completed only by top-tier bank holding companies who have made an effective

election to become a financialholding company. See the line item instructions for further details.

BHSP

C159

BHSP

C161

C700

C701

BHSP

BHSP

FR YPage

M.15.a.

M.15.b.

M.16.a.

M.16.b.

M.17.a.

M.17.b.

M.17.c.

M.17.d.

M.17.e.

M.17.f.

3524

3526

3525

3527

4778

C427

C428

2792

NUMBER (UNROUNDED)

2794

2796


18. Does the bank holding company hold, either directly or indirectly through a subsidiary or affiliate, any

nonfinancial equity investments (see instructions for definition) within a Small Business Investment Com-

pany (SBIC) structure, or under section 4(c)(6) or 4(c)(7) of the Bank Holding Company Act, or pursuant

to the merchant banking authority of section 4(k)4(H) of the Bank Holding Company Act, or pursuant to

the investment authority granted by Regulation K? (Enter 1 for yes; enter 0 for no) ...........................

BHSP19. Do your aggregate nonfinancial equity investments (see instructions for definition) equal or exceed (on

an acquisition cost basis) 10 percent of the BHC's total capital as of the report date? (Enter 1 for yes;

enter 0 for no) ...........................................................................................................................................

20. a. Has the bank holding company sold or otherwise liquidated its holding of any nonfinancial equity

investment since the previous reporting period? (Enter 1 for yes; enter 0 for no) ..........................

b. Does the bank holding company manage any nonfinancial equity investments for the benefit of others?

(Enter 1 for yes; enter 0 for no) .......................................................................................................

M.18.

M.19.

M.20.a.

M.20.b.

M.21.

M.22.

C252

C253

The following two questions (items 18 and 19) will be used to determine if the reporting bank holding company must complete

the Consolidated Bank Holding Company Report of Equity Investments in Nonfinancial Companies (FR Y-12). In most cases,

these questions are only applicable to the top-tier BHC. See the line item instructions for further details.

If the answer to item 18 is no, your organization does not need to complete the FR Y12. Skip item 19 and proceed to items20.a. and 20.b., below. If the answer to item 18 is yes, proceed to item 19.

21. Net assets of brokerdealer subsidiaries engaged in underwriting or dealing securities

pursuant to Section 4(k)(4)(E) of the Bank Holding Company Act as amended by the

GrammLeachBliley Act ...................................................................................................................

22. Net assets of insurance underwriting subsidiaries .............................................................................

If the answer tobothitem 18 and item 19 is yes, your organization must complete the FR Y12. Skip items 20.a. and 20.b.,

and proceed to item 21 below.

If the answer to either item 18 or item 19 is no, your organization does not need to complete the FR Y12.

Proceed to items 20.a. and 20.b. below.

Items 20.a. and 20.b. are to be completed by all bank holding companies that are not required to file the FR Y-12.

MEMORANDA (Continued)

0

RSSD ID 1067194

0

0

0

0

0

5

0

2885

408

1151

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FR YPage

Notes to the Parent Company Only Financial Statements

Enter in the lines provided below any additional information on specific line items on the financial statements that the bank holding comp

wishes to explain, that has been separately disclosed in the bank holding companys quarterly reports to its shareholders, in its pre

releases, or on its quarterly reports to the Securities and Exchange Commission (SEC).

Also include any transactions which previously would have appeared as footnotes to the Balance Sheet and Income Statement. Each

additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a descriptiothe additional information and the dollar amount (in thousands of dollars) associated with that disclosure.

Example

A parent bank holding company has guaranteed a new loan for its leveraged Employee Stock Ownership Plan (ESOP) for $50 thousand a

that amount has increased the parent companys long-term unsecured debt by a material amount. Enter on the line item below the follow

information:

Notes to the Financial Statements

Dollar Amount in Thousands

1.

2.

3.

4.

5.

0000 Balance Sheet, item 11, New loan to holding companys ESOP

guaranteed by bank holding company parent

50

TEXT

TEXT BHSP

8526

8527

8528

8529

8530

8526

8527

8528

8529

8530

BHSP

RSSD ID 1067194

Documents

FRY9SP_1067194_20051231