Home Savings Bank in Persia, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 16, 1993

  • Home Savings Bank in Persia, Iowa (IA)
  • Show street view No street view available for this location

Home Savings Bank - Overview

  • General
  • FDIC Certificate #: 14027
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Liberty Bank & Trust (#25891)
    Federal Reserve ID: 279244
    Date Established: March 09, 1934
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 8768
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 09, 1934
    Last Structure Change Effective Date: April 16, 1993
    Last Structure Change Process Date: April 30, 1993
    Last Data Update: April 30, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Persia, IA 51563
    County: Harrison
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • Financial Summary
  • Total assets: $6.2 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $3Total assets
  • $6,487Cash and due from depository institutions
  • $383Interest-bearing balances
  • $0Securities
  • $1,794Federal funds sold & reverse repurchase agreements
  • $600Net loans & leases
  • $3,588Loan loss allowance
  • $57Trading account assets
  • $0Bank premises and fixed assets
  • $7Other real estate owned
  • $0Goodwill and other intangibles
  • $115Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $6,487Total liabilities
  • $5,845Total deposits
  • $5,801Interest-bearing deposits
  • $4,984Deposits held in domestic offices
  • 5801.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $44Total equity capital
  • $44Total bank equity capital
  • $642Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $250Undivided profits
  • Memoranda
  • $342Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $37Income earned, not collected on loans
  • $93Earning assets
  • $5,982Long-term assets (5+ years)
  • $700Average Assets, year-to-date
  • $6,207Average Assets, quarterly
  • $6,240Volatile liabilities
  • $500Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $642Total risk weighted assets
  • $3,664Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $516Total interest expense
  • $243Net interest income
  • $273Provision for loan and lease losses
  • $11Total noninterest income
  • $33Fiduciary activities
  • $0Service charges on deposit accounts
  • $27Trading account gains & fees
  • $0Additional noninterest income
  • $6Total noninterest expense
  • $218Salaries and employee benefits
  • $102Premises and equipment expense
  • $6Additional noninterest expense
  • $110Pre-tax net operating income
  • $77Securities gains (losses)
  • $0Applicable income taxes
  • $16Income before extraordinary items
  • $61Extraordinary gains - net
  • $0Net income attributable to bank
  • $61Net charge-offs
  • -$1Cash dividends
  • $50Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.94%Cost of funding earning assets
  • 4.21%Net interest margin
  • 4.73%Noninterest income to earning assets
  • 0.57%Noninterest expense to earning assets
  • 3.78%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 1.24%Return on equity (ROE)
  • 9.79%Retained earnings to average equity (YTD only)
  • 1.77%Net charge-offs to loans
  • -0.03%Credit loss provision to net charge-offs
  • -1100.00%Efficiency ratio
  • 71,242Assets per employee
  • 2.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.97%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 154.05%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 61.85%Net loans and leases to core deposits
  • 67.69%Equity capital to assets
  • 9.90%Core capital (leverage) ratio
  • 9.92%Tier 1 risk-based capital ratio
  • 17.52%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $6,207Average earning assets
  • $623Average equity
  • $5,774Average loans

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