Home Guaranty Bank, s.b. in Piper City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1999

  • Home Guaranty Bank, s.b. in Piper City, Illinois (IL)
  • Show street view No street view available for this location

Home Guaranty Bank, s.b. - Overview

  • General
  • FDIC Certificate #: 31011
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Freestar Bank, National Association (#14736)
    Federal Reserve ID: 874171
    Date Established: January 01, 1956
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 6252
    FDIC's unique #: 43845
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 11, 1959
    Last Structure Change Effective Date: January 01, 1999
    Last Structure Change Process Date: Febuary 04, 1999
    Last Data Update: Febuary 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 116 South Pine Street, Piper City, IL 60959
    County: Ford
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
    CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
  • Financial Summary
  • Total assets: $16.0 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 4Total employees (full-time equivalent)
  • $16,015Total assets
  • $8,354Cash and due from depository institutions
  • $100Interest-bearing balances
  • $877Securities
  • $200Federal funds sold & reverse repurchase agreements
  • $6,048Net loans & leases
  • $86Loan loss allowance
  • $0Trading account assets
  • $290Bank premises and fixed assets
  • $0Other real estate owned
  • $156Goodwill and other intangibles
  • $0Life insurance assets
  • $90All other assets
  • $16,015Total liabilities and capital
  • $14,751Total liabilities
  • $14,160Total deposits
  • $14,030Interest-bearing deposits
  • $14,160Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $424Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $167All other liabilities
  • $1,264Total equity capital
  • $1,264Total bank equity capital
  • $1,264Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $1,035Undivided profits
  • Memoranda
  • $228Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $161Earning assets
  • $0Long-term assets (5+ years)
  • $68Average Assets, year-to-date
  • $7,225Average Assets, quarterly
  • $3,578Volatile liabilities
  • $16,251Insider loans
  • $16,127FHLB advances
  • $1,452Loans and leases held for sale
  • $45Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $110Total unused commitments
  • $0Restructured Loans and leases
  • $8,318Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $1,207Total interest income
  • $794Total interest expense
  • $413Net interest income
  • $12Provision for loan and lease losses
  • $20Total noninterest income
  • $0Fiduciary activities
  • $10Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10Additional noninterest income
  • $277Total noninterest expense
  • $126Salaries and employee benefits
  • $50Premises and equipment expense
  • $101Additional noninterest expense
  • $144Pre-tax net operating income
  • $0Securities gains (losses)
  • $65Applicable income taxes
  • $79Income before extraordinary items
  • $0Extraordinary gains - net
  • $79Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $32Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.71%Yield on earning assets
  • 5.73%Cost of funding earning assets
  • 2.98%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 2.00%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 6.34%Return on equity (ROE)
  • 3.77%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 600.00%Credit loss provision to net charge-offs
  • 78.00%Efficiency ratio
  • 60,739Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.51%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 53.42%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 2.62%Net loans and leases to deposits
  • 42.71%Net loans and leases to core deposits
  • 46.06%Equity capital to assets
  • 7.89%Core capital (leverage) ratio
  • 6.81%Tier 1 risk-based capital ratio
  • 13.16%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $16,251Average earning assets
  • $1,246Average equity
  • $13,856Average loans

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