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

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