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
No
ID
Name
Address
Established
Service Type
Map
0
41110
Home Savings Bank
130 E Mc Carty St, Jefferson City, MO 65102
January 01, 1897
Full Service Brick and Mortar
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