Home Savings of America, FSB in Irwindale, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 03, 1998

  • Home Savings of America, FSB in Irwindale, California (CA)
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Home Savings of America, FSB - Overview

  • General
  • FDIC Certificate #: 15919
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Washington Mutual Bank (#32633)
    Federal Reserve ID: 330275
    Date Established: January 01, 1834
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6892
    FDIC's unique #: 10151
    Numeric code: 43
    Regulator: OTS
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1943
    Last Structure Change Effective Date: October 03, 1998
    Last Structure Change Process Date: December 15, 1998
    Last Data Update: December 15, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 4900 Rivergrade Road, Irwindale, CA 91706
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (North)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Los Angeles-Long Beach, CA (#4480)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Los Angeles-Long Beach-Glendale, CA (#31084)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $50,291.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 7,695Total employees (full-time equivalent)
  • $46,502,564Total assets
  • $540,645Cash and due from depository institutions
  • $692Interest-bearing balances
  • $13,222,795Securities
  • $50,000Federal funds sold & reverse repurchase agreements
  • $30,471,248Net loans & leases
  • $314,990Loan loss allowance
  • $0Trading account assets
  • $358,883Bank premises and fixed assets
  • $196,919Other real estate owned
  • $376,416Goodwill and other intangibles
  • $0Life insurance assets
  • $1,285,658All other assets
  • $46,502,564Total liabilities and capital
  • $43,539,993Total liabilities
  • $32,934,515Total deposits
  • $31,628,608Interest-bearing deposits
  • $32,934,515Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,675,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,928,218Other borrowed funds
  • $473,148Subordinated debt
  • $529,112All other liabilities
  • $2,962,571Total equity capital
  • $2,962,571Total bank equity capital
  • $2,962,571Perpetual preferred stock
  • $0Common stock
  • $1,372Surplus
  • $1,461,791Undivided profits
  • Memoranda
  • $1,499,408Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $432,527Earning assets
  • $0Long-term assets (5+ years)
  • $138,361Average Assets, year-to-date
  • $43,744,735Average Assets, quarterly
  • $0Volatile liabilities
  • $47,621,121Insider loans
  • $46,569,492FHLB advances
  • $15,716,013Loans and leases held for sale
  • $4,266Unused loan commitments
  • $4,812,813Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,582,655Total unused commitments
  • $0Restructured Loans and leases
  • $29,604,519Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $3,374,049Total interest income
  • $2,085,780Total interest expense
  • $1,288,269Net interest income
  • $101,043Provision for loan and lease losses
  • $251,743Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $251,743Additional noninterest income
  • $754,697Total noninterest expense
  • $325,059Salaries and employee benefits
  • $187,072Premises and equipment expense
  • $242,566Additional noninterest expense
  • $684,272Pre-tax net operating income
  • $20,217Securities gains (losses)
  • $277,498Applicable income taxes
  • $426,991Income before extraordinary items
  • $0Extraordinary gains - net
  • $426,991Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $106,520Sale, conversion, retirement of capital stock, net
  • $505,797Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.51%Yield on earning assets
  • 4.64%Cost of funding earning assets
  • 2.87%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 1.68%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 14.62%Return on equity (ROE)
  • -2.70%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 94.86%Credit loss provision to net charge-offs
  • 7.37%Efficiency ratio
  • 47,333Assets per employee
  • 6.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 118.46%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 72.83%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 1.40%Net loans and leases to deposits
  • 92.52%Net loans and leases to core deposits
  • 113.61%Equity capital to assets
  • 6.37%Core capital (leverage) ratio
  • 5.87%Tier 1 risk-based capital ratio
  • 9.14%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $47,621,121Average earning assets
  • $2,920,376Average equity
  • $44,915,968Average loans

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