Home Loan State Bank in Grand Junction, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Home Loan State Bank - Overview

  • General
  • FDIC Certificate #: 90040
    Status: Active
    Federal Reserve ID: 499154
    Date Established: December 16, 1960
    WWW: http://www.hlsb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 17681
    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: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: September 28, 1987
    Last Structure Change Effective Date: June 01, 2008
    Last Structure Change Process Date: June 04, 2008
    Last Data Update: June 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 N. 4th Street, Grand Junction, CO 81501
    County: Mesa
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Grand Junction, CO (#2995)
    Core Based Statistical Area (CBSA): Grand Junction, CO (#24300)
    CBSA Metro Statistical Area: Grand Junction, CO (#24300)
  • History of Changes
  • Name Change
    Change in Entity Type
  • Financial Summary
  • Total assets: $65.0 mil
    Equity capital: $6.9 mil
    Deposits held in domestic offices: $54.2 mil
    Return on assets (ROA): 0.09% ($0.1 mil)
    Quarterly return on assets: 0.12% ($0.1 mil)
    Return on Equity (ROE): 0.73% ($0.1 mil)
    Quarterly return on equity: 1.10% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.06% ($39.0 mil)
    Quarterly Pretax return on assets: 0.07% ($45.5 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, 2011)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $64,978Total assets
  • $1,048Cash and due from depository institutions
  • $818Interest-bearing balances
  • $36,804Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $19,883Net loans & leases
  • $475Loan loss allowance
  • $0Trading account assets
  • $6,218Bank premises and fixed assets
  • $110Other real estate owned
  • $0Goodwill and other intangibles
  • $64,978Life insurance assets
  • $915All other assets
  • $58,085Total liabilities and capital
  • $54,199Total liabilities
  • $40,757Total deposits
  • $54,199Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,610Trading liabilities
  • $0Other borrowed funds
  • $276Subordinated debt
  • $6,893All other liabilities
  • $6,893Total equity capital
  • $6,893Total bank equity capital
  • $3,000Perpetual preferred stock
  • $200Common stock
  • $750Surplus
  • $2,943Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $49Income earned, not collected on loans
  • $0Earning assets
  • $248Long-term assets (5+ years)
  • $57,505Average Assets, year-to-date
  • $43,888Average Assets, quarterly
  • $55,434Volatile liabilities
  • $66,080Insider loans
  • $33,978FHLB advances
  • $65,340Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,769Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,922Restructured Loans and leases
  • $730Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,233Total interest income
  • $679Total interest expense
  • $1,554Net interest income
  • $304Provision for loan and lease losses
  • $92Total noninterest income
  • $0Fiduciary activities
  • $6Service charges on deposit accounts
  • $0Trading account gains & fees
  • $86Additional noninterest income
  • $1,414Total noninterest expense
  • $681Salaries and employee benefits
  • $49Premises and equipment expense
  • $684Additional noninterest expense
  • -$72Pre-tax net operating income
  • $104Securities gains (losses)
  • -$18Applicable income taxes
  • $50Income before extraordinary items
  • $0Extraordinary gains - net
  • $50Net income attributable to bank
  • $0Net charge-offs
  • $50Cash dividends
  • $286Sale, conversion, retirement of capital stock, net
  • $113Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • -0.10%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.06%Pretax return on assets
  • 0.73%Return on equity (ROE)
  • -0.92%Retained earnings to average equity (YTD only)
  • 1.29%Net charge-offs to loans
  • 106.29%Credit loss provision to net charge-offs
  • 0.81%Efficiency ratio
  • 85,905Assets per employee
  • 6.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 226.00%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 969.39%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 36.69%Net loans and leases to core deposits
  • 42.44%Equity capital to assets
  • 10.61%Core capital (leverage) ratio
  • 10.36%Tier 1 risk-based capital ratio
  • 19.92%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $55,434Average earning assets
  • $6,881Average equity
  • $48,087Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017681Home Loan State Bank205 N. 4th Street, Grand Junction, CO 81501December 16, 1960Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Home Loan State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents