Home Federal Savings Bank in Carbondale, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 15, 1997

  • Home Federal Savings Bank in Carbondale, Illinois (IL)
  • Show street view No street view available for this location

Home Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 31308
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Charter Bank, S.B. (#27722)
    Federal Reserve ID: 382171
    Date Established: January 01, 1905
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6700
    FDIC's unique #: 44142
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: July 06, 1962
    Last Structure Change Effective Date: January 15, 1997
    Last Structure Change Process Date: Febuary 13, 1997
    Last Data Update: Febuary 13, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 635 East Walnut, Carbondale, IL 62901
    County: Jackson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Carbondale-Marion-Herrin, IL (#166)
    Core Based Statistical Area (CBSA): Carbondale, IL (#16060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
    Corrections
  • Financial Summary
  • Total assets: $28.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $28,248Cash and due from depository institutions
  • $1,005Interest-bearing balances
  • $438Securities
  • $4,986Federal funds sold & reverse repurchase agreements
  • $250Net loans & leases
  • $21,240Loan loss allowance
  • $190Trading account assets
  • $0Bank premises and fixed assets
  • $219Other real estate owned
  • $0Goodwill and other intangibles
  • $548Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $28,248Total liabilities
  • $23,668Total deposits
  • $23,307Interest-bearing deposits
  • $23,307Deposits held in domestic offices
  • 23307.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $155Subordinated debt
  • $0All other liabilities
  • $206Total equity capital
  • $206Total bank equity capital
  • $4,580Perpetual preferred stock
  • $0Common stock
  • $289Surplus
  • $2,334Undivided profits
  • Memoranda
  • $1,957Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $31Income earned, not collected on loans
  • $113Earning assets
  • $26,914Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $31,957Average Assets, quarterly
  • $29,877Volatile liabilities
  • $1,668Insider loans
  • $285FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $470Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,562Total risk weighted assets
  • $14,522Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,419Total interest expense
  • $1,455Net interest income
  • $964Provision for loan and lease losses
  • -$25Total noninterest income
  • $314Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $314Total noninterest expense
  • $1,218Salaries and employee benefits
  • $525Premises and equipment expense
  • $154Additional noninterest expense
  • $539Pre-tax net operating income
  • $85Securities gains (losses)
  • -$12Applicable income taxes
  • $76Income before extraordinary items
  • -$3Extraordinary gains - net
  • $0Net income attributable to bank
  • -$3Net charge-offs
  • $85Cash dividends
  • $95Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.91%Cost of funding earning assets
  • 4.76%Net interest margin
  • 3.15%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 3.98%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • -0.01%Pretax return on assets
  • 0.23%Return on equity (ROE)
  • -0.06%Retained earnings to average equity (YTD only)
  • -2.07%Net charge-offs to loans
  • 0.41%Credit loss provision to net charge-offs
  • -29.41%Efficiency ratio
  • 95,305Assets per employee
  • 2.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -3166.67%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 580.65%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 91.13%Net loans and leases to core deposits
  • 97.46%Equity capital to assets
  • 16.21%Core capital (leverage) ratio
  • 16.16%Tier 1 risk-based capital ratio
  • 31.41%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $31,957Average earning assets
  • $4,724Average equity
  • $30,577Average loans

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