Home Bank and Trust Company in Eureka, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Home Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 4664
    Status: Active
    Federal Reserve ID: 840251
    Bank Holding Company (Regulatory Top Holder): Greenwood County Financial Services, Inc. (RSSDID: 1141722, Location: Eureka, KS)
    Date Established: August 04, 1904
    WWW: http://www.homebank-trust.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 52228
    FDIC's unique #: 3098
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 217 North Main Street, Eureka, KS 67045
    County: Greenwood
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $84.4 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $72.1 mil
    Return on assets (ROA): 0.54% ($0.5 mil)
    Quarterly return on assets: 0.46% ($0.4 mil)
    Return on Equity (ROE): 7.59% ($0.5 mil)
    Quarterly return on equity: 6.55% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.57% ($481.1 mil)
    Quarterly Pretax return on assets: 0.53% ($447.3 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
  • 27Total employees (full-time equivalent)
  • $84,396Total assets
  • $8,499Cash and due from depository institutions
  • $4,763Interest-bearing balances
  • $7,637Securities
  • $1,265Federal funds sold & reverse repurchase agreements
  • $59,873Net loans & leases
  • $520Loan loss allowance
  • $0Trading account assets
  • $3,495Bank premises and fixed assets
  • $1,226Other real estate owned
  • $0Goodwill and other intangibles
  • $84,396Life insurance assets
  • $2,401All other assets
  • $78,379Total liabilities and capital
  • $72,149Total liabilities
  • $57,066Total deposits
  • $72,149Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,065Trading liabilities
  • $0Other borrowed funds
  • $165Subordinated debt
  • $6,017All other liabilities
  • $6,017Total equity capital
  • $6,017Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $2,731Surplus
  • $2,836Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $63Income earned, not collected on loans
  • $0Earning assets
  • $336Long-term assets (5+ years)
  • $73,538Average Assets, year-to-date
  • $560Average Assets, quarterly
  • $81,325Volatile liabilities
  • $84,297Insider loans
  • $59,491FHLB advances
  • $81,479Loans and leases held for sale
  • $1,272Unused loan commitments
  • $1,272Tier 1 (core) risk-based capital
  • $6,008Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,766Restructured Loans and leases
  • $735Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,658Total interest income
  • $766Total interest expense
  • $2,892Net interest income
  • $147Provision for loan and lease losses
  • $508Total noninterest income
  • $2Fiduciary activities
  • $346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $160Additional noninterest income
  • $2,793Total noninterest expense
  • $1,286Salaries and employee benefits
  • $589Premises and equipment expense
  • $918Additional noninterest expense
  • $460Pre-tax net operating income
  • $0Securities gains (losses)
  • $24Applicable income taxes
  • $436Income before extraordinary items
  • $0Extraordinary gains - net
  • $436Net income attributable to bank
  • $0Net charge-offs
  • $436Cash dividends
  • $110Sale, conversion, retirement of capital stock, net
  • $346Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 7.59%Return on equity (ROE)
  • 1.57%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 133.64%Credit loss provision to net charge-offs
  • 5.52%Efficiency ratio
  • 82,147Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.36%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 825.40%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 82.99%Net loans and leases to core deposits
  • 87.13%Equity capital to assets
  • 7.13%Core capital (leverage) ratio
  • 7.37%Tier 1 risk-based capital ratio
  • 10.10%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $81,325Average earning assets
  • $5,747Average equity
  • $71,633Average loans

List of branches

  • 6 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03098Home Bank And Trust Company217 North Main Street, Eureka, KS 67045August 04, 1904Full Service Brick and Mortar
    1203959Home Ii Branch101 South Main Street, Eureka, KS 67045March 30, 1976Limited Service Facility
    28762Severy Branch108 North Kansas Avenue, Severy, KS 67137September 01, 1900Full Service Brick and Mortar
    3203960Clearwater Branch741 North Fourth, Clearwater, KS 67026May 01, 1995Full Service Brick and Mortar
    436353310421 West Central Branch10421 West Central Avenue, Wichita, KS 67212August 27, 2001Full Service Brick and Mortar
    5466510East Wichita Branch1409 N Greenwich, Wichita, KS 67206January 30, 2007Full Service Brick and Mortar

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