Home Savings Bank in Madison, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Home Savings Bank in Madison, Wisconsin (WI)
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Home Savings Bank - Overview

  • General
  • FDIC Certificate #: 30248
    Status: Active
    Federal Reserve ID: 255873
    Date Established: January 01, 1895
    WWW: http://www.home-savings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 5042
    FDIC's unique #: 43082
    Numeric code: 42
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 01, 1944
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 South Carroll Street, Madison, WI 53703
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $132.6 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $114.4 mil
    Return on assets (ROA): -0.12% (-$0.2 mil)
    Quarterly return on assets: 0.98% ($1.3 mil)
    Return on Equity (ROE): -1.67% (-$0.2 mil)
    Quarterly return on equity: 13.21% ($1.3 mil)
    Net income: -$0.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: -0.24% (-$318.2 mil)
    Quarterly Pretax return on assets: 1.57% ($2,081.5 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
  • 38Total employees (full-time equivalent)
  • $132,577Total assets
  • $14,533Cash and due from depository institutions
  • $11,195Interest-bearing balances
  • $3,293Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $99,085Net loans & leases
  • $1,380Loan loss allowance
  • $0Trading account assets
  • $5,656Bank premises and fixed assets
  • $1,020Other real estate owned
  • $0Goodwill and other intangibles
  • $132,577Life insurance assets
  • $8,990All other assets
  • $122,490Total liabilities and capital
  • $114,363Total liabilities
  • $104,737Total deposits
  • $114,363Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,903Trading liabilities
  • $0Other borrowed funds
  • $1,224Subordinated debt
  • $10,087All other liabilities
  • $10,087Total equity capital
  • $10,087Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $10,087Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,500Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,313Income earned, not collected on loans
  • $0Earning assets
  • $629Long-term assets (5+ years)
  • $113,573Average Assets, year-to-date
  • $12,266Average Assets, quarterly
  • $139,342Volatile liabilities
  • $133,927Insider loans
  • $84,129FHLB advances
  • $131,301Loans and leases held for sale
  • $2,999Unused loan commitments
  • $765Tier 1 (core) risk-based capital
  • $9,090Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,234Total unused commitments
  • $20,866Restructured Loans and leases
  • $412Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,637Total interest income
  • $1,456Total interest expense
  • $4,181Net interest income
  • $1,792Provision for loan and lease losses
  • $2,282Total noninterest income
  • $0Fiduciary activities
  • $300Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,982Additional noninterest income
  • $4,960Total noninterest expense
  • $2,389Salaries and employee benefits
  • $647Premises and equipment expense
  • $1,924Additional noninterest expense
  • -$289Pre-tax net operating income
  • -$51Securities gains (losses)
  • -$174Applicable income taxes
  • -$166Income before extraordinary items
  • $0Extraordinary gains - net
  • -$166Net income attributable to bank
  • $0Net charge-offs
  • -$166Cash dividends
  • $1,612Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.53%Net interest margin
  • 1.93%Noninterest income to earning assets
  • 4.19%Noninterest expense to earning assets
  • -0.10%Net operating income to assets
  • -0.12%Return on assets (ROA)
  • -0.24%Pretax return on assets
  • -1.67%Return on equity (ROE)
  • -1.67%Retained earnings to average equity (YTD only)
  • 1.50%Net charge-offs to loans
  • 111.17%Credit loss provision to net charge-offs
  • 0.93%Efficiency ratio
  • 76,745Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 105.10%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 86.64%Net loans and leases to core deposits
  • 97.53%Equity capital to assets
  • 7.61%Core capital (leverage) ratio
  • 6.92%Tier 1 risk-based capital ratio
  • 10.80%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $139,342Average earning assets
  • $9,935Average equity
  • $118,484Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043082Home Savings Bank2 South Carroll Street, Madison, WI 53703January 01, 1895Full Service Brick and Mortar
    2279359Westside Branch7701 Mineral Point Road, Madison, WI 53717January 01, 1895Full Service Brick and Mortar
    100279361400 West Main St Branch400 West Main St, Stoughton, WI 53589January 01, 1895Full Service Brick and Mortar
    103450897Washington Avenue Branch3762 East Washington Avenue, Madison, WI 53704May 01, 2006Full Service Brick and Mortar

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