Home Savings Bank in Jefferson City, Missouri (MO)



Show street view No street view available for this location
Table of contents:
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
Securities$0
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
Surplus$0
Undivided profits $2,641
Memoranda
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
Derivatives$275
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Memoranda
Average assets$16
Average earning assets$30,436
Average equity $2,744
Average loans $26,485
Back to page top, Back to table top

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
Back to page top

User Contributions:

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

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Home Savings 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.