Home Building Savings Bank, FSB in Washington, Indiana (IN)



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Home Building Savings Bank, FSB
GeneralFDIC Certificate #: 27666
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Federal Savings Bank (#29056)
Federal Reserve ID: 897675
Date Established: January 01, 1908
WWW: http://www.homebuildingsavingsbank.com
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 76
FDIC's unique #: 40500
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: December 20, 1935
Last Structure Change Effective Date: October 01, 2006
Last Structure Change Process Date: October 18, 2006
Last Data Update: October 18, 2006
Data Source Date: April 05, 2012
LocationAddress: 200 East Vantrees Street, Washington, IN 47501
County: Daviess
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Washington, IN (#47780)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $60.5 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, 2005)
(Dollar figures in thousands)
Total employees (full-time equivalent)13
Total assets$60,340
Cash and due from depository institutions$8,737
Interest-bearing balances$6,796
Securities$10,828
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$38,976
Loan loss allowance $278
Trading account assets$0
Bank premises and fixed assets$693
Other real estate owned$41
Goodwill and other intangibles$0
All other assets$1,065
Life insurance assets$0
Total liabilities and capital$60,340
Total liabilities$54,474
Total deposits$43,502
Interest-bearing deposits$41,389
Deposits held in domestic offices$43,502
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $10,500
Subordinated debt $0
All other liabilities $472
Total equity capital$5,866
Total bank equity capital$5,866
Perpetual preferred stock$5,866
Common stock$0
Surplus$3
Undivided profits $1,427
Memoranda
Noncurrent loans and leases $4,436
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,930
Income earned, not collected on loans $0
Earning assets $189
Long-term assets (5+ years) $0
Average Assets, year-to-date $304
Average Assets, quarterly $56,600
Volatile liabilities $0
Insider loans $58,662
FHLB advances $60,413
Loans and leases held for sale $22,587
Unused loan commitments $11
Tier 1 (core) risk-based capital $10,500
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $1,930
Restructured Loans and leases $50
Derivatives$278
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Income and Expense (December 31, 2005)
(Dollar figures in thousands)
Total interest income $3,140
Total interest expense $1,349
Net interest income $1,791
Provision for loan and lease losses $40
Total noninterest income $195
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $195
Total noninterest expense $1,233
Salaries and employee benefits $724
Premises and equipment expense $288
Additional noninterest expense $221
Pre-tax net operating income $713
Securities gains (losses) $0
Applicable income taxes $263
Income before extraordinary items $450
Extraordinary gains - net $0
Net income attributable to bank $450
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $39
Net operating income $250
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Performance and Condition Ratios (December 31, 2005)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.66%
Cost of funding earning assets 2.43%
Net interest margin 3.23%
Noninterest income to earning assets 0.35%
Noninterest expense to earning assets 2.22%
Net operating income to assets 0.77%
Return on assets (ROA) 0.77%
Pretax return on assets 1.22%
Return on equity (ROE) 7.73%
Retained earnings to average equity (YTD only) 3.44%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 102.56%
Efficiency ratio19.31%
Assets per employee$62,085
Cash dividends to net income (YTD only)4.64%
Condition Ratios (%)
Loss allowance to loans 55.56%
Loss allowance to noncurrent loans 0.71%
Noncurrent assets plus other real estate owned to assets 147.09%
Noncurrent loans to loans 0.38%
Net loans and leases to deposits0.48%
Net loans and leases to core deposits 89.60%
Equity capital to assets 124.07%
Core capital (leverage) ratio 9.72%
Tier 1 risk-based capital ratio 9.93%
Total risk-based capital ratio 17.87%
Memoranda
Average assets$19
Average earning assets$58,662
Average equity $5,822
Average loans $55,436
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