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)
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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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