Home Savings Bank in Jefferson City, Missouri (MO)

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Home Savings Bank
GeneralFDIC Certificate #: 28276
Status: Active
Federal Reserve ID: 770273
Date Established: January 01, 1897
WWW: http://www.homesavingsbankjc.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 1282
FDIC's unique #: 41110
Numeric code: 38
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: November 07, 1952
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 130 E Mc Carty St, Jefferson City, MO 65102
County: Cole
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Jefferson City, MO (#27620)
CBSA Metro Statistical Area: Jefferson City, MO (#27620)
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $30.6 mil
Equity capital: $2.6 mil
Deposits held in domestic offices: $28.0 mil
Return on assets (ROA): -0.79% (-$0.2 mil)
Quarterly return on assets: -0.56% (-$0.2 mil)
Return on Equity (ROE): -8.71% (-$0.3 mil)
Quarterly return on equity: -6.46% (-$0.2 mil)
Net income: -$0.2 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: -0.97% (-$297.1 mil)
Quarterly Pretax return on assets: -0.64% (-$196.0 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)
Total employees (full-time equivalent)8
Total assets$30,628
Cash and due from depository institutions$4,648
Interest-bearing balances$2,344
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$23,478
Loan loss allowance $322
Trading account assets$0
Bank premises and fixed assets$965
Other real estate owned$856
Goodwill and other intangibles$77
All other assets$604
Life insurance assets$30,628
Total liabilities and capital$27,987
Total liabilities$27,963
Total deposits$26,483
Interest-bearing deposits$27,963
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $24
All other liabilities $2,641
Total equity capital$2,641
Total bank equity capital$2,641
Perpetual preferred stock$0
Common stock$0
Undivided profits $2,641
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,003
Earning assets $0
Long-term assets (5+ years) $95
Average Assets, year-to-date $25,822
Average Assets, quarterly $0
Volatile liabilities $30,436
Insider loans $30,581
FHLB advances $17,608
Loans and leases held for sale $30,628
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,641
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $483
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,148
Total interest expense $323
Net interest income $825
Provision for loan and lease losses $231
Total noninterest income $80
Fiduciary activities $0
Service charges on deposit accounts $40
Trading account gains & fees $0
Additional noninterest income $40
Total noninterest expense $1,000
Salaries and employee benefits $569
Premises and equipment expense $161
Additional noninterest expense $270
Pre-tax net operating income -$326
Securities gains (losses) $31
Applicable income taxes -$56
Income before extraordinary items -$239
Extraordinary gains - net $0
Net income attributable to bank -$239
Net charge-offs $0
Cash dividends -$239
Sale, conversion, retirement of capital stock, net $59
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.33%
Cost of funding earning assets 1.22%
Net interest margin 3.11%
Noninterest income to earning assets 0.30%
Noninterest expense to earning assets 3.78%
Net operating income to assets -0.87%
Return on assets (ROA) -0.79%
Pretax return on assets -0.97%
Return on equity (ROE) -8.71%
Retained earnings to average equity (YTD only) -8.71%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 391.53%
Efficiency ratio-1.61%
Assets per employee$110,497
Cash dividends to net income (YTD only)3.83%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.35%
Noncurrent assets plus other real estate owned to assets 16.08%
Noncurrent loans to loans 9.33%
Net loans and leases to deposits8.42%
Net loans and leases to core deposits 83.96%
Equity capital to assets 86.83%
Core capital (leverage) ratio 8.62%
Tier 1 risk-based capital ratio 8.62%
Total risk-based capital ratio 15.00%
Average assets$16
Average earning assets$30,436
Average equity $2,744
Average loans $26,485
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
041110Home Savings Bank130 E Mc Carty St, Jefferson City, MO 65102January 01, 1897Full Service Brick and Mortar
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