Home Savings and Loan Association, F.A. in Norborne, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Home Savings and Loan Association, F.A. in Norborne, Missouri (MO)
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Home Savings and Loan Association, F.A. - Overview

  • General
  • FDIC Certificate #: 27898
    Status: Active
    Federal Reserve ID: 612878
    Date Established: January 01, 1919
    WWW: http://www.norbornehsl.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 #: 508
    FDIC's unique #: 40732
    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: March 01, 1954
    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: 210 E Second Street, Norborne, MO 64668
    County: Carroll
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $90.1 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $76.6 mil
    Return on assets (ROA): -0.15% (-$0.1 mil)
    Quarterly return on assets: -0.56% (-$0.5 mil)
    Return on Equity (ROE): -0.99% (-$0.1 mil)
    Quarterly return on equity: -3.68% (-$0.5 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.87% (-$784.3 mil)
    Quarterly Pretax return on assets: -0.87% (-$784.3 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
  • 10Total employees (full-time equivalent)
  • $90,148Total assets
  • $18,367Cash and due from depository institutions
  • $17,060Interest-bearing balances
  • $9,589Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $60,151Net loans & leases
  • $475Loan loss allowance
  • $0Trading account assets
  • $71Bank premises and fixed assets
  • $203Other real estate owned
  • $0Goodwill and other intangibles
  • $90,148Life insurance assets
  • $1,767All other assets
  • $76,626Total liabilities and capital
  • $76,613Total liabilities
  • $76,404Total deposits
  • $76,613Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $13Subordinated debt
  • $13,522All other liabilities
  • $13,522Total equity capital
  • $13,522Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $13,522Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,217Income earned, not collected on loans
  • $0Earning assets
  • $558Long-term assets (5+ years)
  • $86,800Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $87,334Volatile liabilities
  • $90,089Insider loans
  • $44,487FHLB advances
  • $90,124Loans and leases held for sale
  • $517Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,498Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $965Restructured Loans and leases
  • $184Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,553Total interest income
  • $1,656Total interest expense
  • $1,897Net interest income
  • $1,160Provision for loan and lease losses
  • $64Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $64Additional noninterest income
  • $1,563Total noninterest expense
  • $1,057Salaries and employee benefits
  • $218Premises and equipment expense
  • $288Additional noninterest expense
  • -$762Pre-tax net operating income
  • $0Securities gains (losses)
  • -$627Applicable income taxes
  • -$135Income before extraordinary items
  • $0Extraordinary gains - net
  • -$135Net income attributable to bank
  • $0Net charge-offs
  • -$135Cash dividends
  • $1,112Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 1.99%Cost of funding earning assets
  • 2.28%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 1.88%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • -0.15%Return on assets (ROA)
  • -0.87%Pretax return on assets
  • -0.99%Return on equity (ROE)
  • -0.99%Retained earnings to average equity (YTD only)
  • 1.87%Net charge-offs to loans
  • 104.32%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 79,704Assets per employee
  • 9.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 39.03%Noncurrent assets plus other real estate owned to assets
  • 1.58%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 78.51%Net loans and leases to core deposits
  • 81.57%Equity capital to assets
  • 15.00%Core capital (leverage) ratio
  • 14.98%Tier 1 risk-based capital ratio
  • 30.34%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $87,334Average earning assets
  • $13,590Average equity
  • $83,158Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040732Home Savings And Loan Association, F.A.210 E Second Street, Norborne, MO 64668January 01, 1919Full Service Brick and Mortar

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