Home Savings Bank in Jefferson City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Home Savings Bank in Jefferson City, Missouri (MO)
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Home Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total 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
  • 8Total employees (full-time equivalent)
  • $30,628Total assets
  • $4,648Cash and due from depository institutions
  • $2,344Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $23,478Net loans & leases
  • $322Loan loss allowance
  • $0Trading account assets
  • $965Bank premises and fixed assets
  • $856Other real estate owned
  • $77Goodwill and other intangibles
  • $30,628Life insurance assets
  • $604All other assets
  • $27,987Total liabilities and capital
  • $27,963Total liabilities
  • $26,483Total deposits
  • $27,963Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $24Subordinated debt
  • $2,641All other liabilities
  • $2,641Total equity capital
  • $2,641Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $2,641Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,003Income earned, not collected on loans
  • $0Earning assets
  • $95Long-term assets (5+ years)
  • $25,822Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $30,436Volatile liabilities
  • $30,581Insider loans
  • $17,608FHLB advances
  • $30,628Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,641Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $483Restructured Loans and leases
  • $275Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,148Total interest income
  • $323Total interest expense
  • $825Net interest income
  • $231Provision for loan and lease losses
  • $80Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $40Additional noninterest income
  • $1,000Total noninterest expense
  • $569Salaries and employee benefits
  • $161Premises and equipment expense
  • $270Additional noninterest expense
  • -$326Pre-tax net operating income
  • $31Securities gains (losses)
  • -$56Applicable income taxes
  • -$239Income before extraordinary items
  • $0Extraordinary gains - net
  • -$239Net income attributable to bank
  • $0Net charge-offs
  • -$239Cash dividends
  • $59Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.11%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 3.78%Noninterest expense to earning assets
  • -0.87%Net operating income to assets
  • -0.79%Return on assets (ROA)
  • -0.97%Pretax return on assets
  • -8.71%Return on equity (ROE)
  • -8.71%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 391.53%Credit loss provision to net charge-offs
  • -1.61%Efficiency ratio
  • 110,497Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 16.08%Noncurrent assets plus other real estate owned to assets
  • 9.33%Noncurrent loans to loans
  • 8.42%Net loans and leases to deposits
  • 83.96%Net loans and leases to core deposits
  • 86.83%Equity capital to assets
  • 8.62%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 15.00%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $30,436Average earning assets
  • $2,744Average equity
  • $26,485Average loans

List of branches

  • 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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