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

This bank is inactive as of Febuary 26, 1993

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

  • General
  • FDIC Certificate #: 28594
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Home Savings of America, FSB (#15919)
    Federal Reserve ID: 330275
    Date Established: January 01, 1889
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1914
    FDIC's unique #: 41428
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 01, 1941
    Last Structure Change Effective Date: Febuary 26, 1993
    Last Structure Change Process Date: April 27, 1993
    Last Data Update: September 21, 1995
    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: Orange
    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
    Office Sold
  • Financial Summary
  • Total assets: $41,183.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8,149Total assets
  • $41,183,509Cash and due from depository institutions
  • $599,807Interest-bearing balances
  • $8,504Securities
  • $3,939,275Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $33,381,010Loan loss allowance
  • $338,529Trading account assets
  • $0Bank premises and fixed assets
  • $588,846Other real estate owned
  • $579,052Goodwill and other intangibles
  • $1,730,681Life insurance assets
  • $364,838All other assets
  • $0Total liabilities and capital
  • $41,183,509Total liabilities
  • $38,349,905Total deposits
  • $33,932,221Interest-bearing deposits
  • $33,106,335Deposits held in domestic offices
  • 33932221.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $2,186,262Trading liabilities
  • $0Other borrowed funds
  • $1,323,390Subordinated debt
  • $694,596All other liabilities
  • $213,436Total equity capital
  • $213,436Total bank equity capital
  • $2,833,604Perpetual preferred stock
  • $0Common stock
  • $1,372Surplus
  • $832,465Undivided profits
  • Memoranda
  • $1,999,767Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,311,521Income earned, not collected on loans
  • $134,931Earning assets
  • $37,328,789Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $40,311,604Average Assets, quarterly
  • $40,821,368Volatile liabilities
  • $9,060,337Insider loans
  • $0FHLB advances
  • $725,000Loans and leases held for sale
  • $0Unused loan commitments
  • $1,483,835Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,716,385Total risk weighted assets
  • $29,967,829Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,922,910Total interest expense
  • $1,700,962Net interest income
  • $1,221,948Provision for loan and lease losses
  • $287,552Total noninterest income
  • $105,008Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $105,008Total noninterest expense
  • $775,238Salaries and employee benefits
  • $217,652Premises and equipment expense
  • $172,123Additional noninterest expense
  • $385,463Pre-tax net operating income
  • $264,166Securities gains (losses)
  • $87,334Applicable income taxes
  • $166,441Income before extraordinary items
  • $185,059Extraordinary gains - net
  • $47,677Net income attributable to bank
  • $232,736Net charge-offs
  • $188,484Cash dividends
  • $160,000Sale, conversion, retirement of capital stock, net
  • $409Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.05%Cost of funding earning assets
  • 4.68%Net interest margin
  • 3.36%Noninterest income to earning assets
  • 0.29%Noninterest expense to earning assets
  • 2.13%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 0.99%Return on equity (ROE)
  • 8.21%Retained earnings to average equity (YTD only)
  • 2.57%Net charge-offs to loans
  • 0.58%Credit loss provision to net charge-offs
  • 152.56%Efficiency ratio
  • 56,115Assets per employee
  • 5.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.75%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 25.81%Noncurrent assets plus other real estate owned to assets
  • 4.59%Noncurrent loans to loans
  • 3.89%Net loans and leases to deposits
  • 98.38%Net loans and leases to core deposits
  • 117.62%Equity capital to assets
  • 6.88%Core capital (leverage) ratio
  • 5.77%Tier 1 risk-based capital ratio
  • 9.06%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $40,311,604Average earning assets
  • $2,835,163Average equity
  • $36,325,658Average loans

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