Home State Bank in Hobart, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 25, 1998

  • Home State Bank in Hobart, Oklahoma (OK)
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Home State Bank - Overview

  • General
  • FDIC Certificate #: 10676
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Gold BANK (#413)
    Federal Reserve ID: 875851
    Date Established: January 01, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6850
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 25, 1998
    Last Structure Change Process Date: October 29, 1998
    Last Data Update: June 18, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 430 South Main, Hobart, OK 73651
    County: Kiowa
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $40.5 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
  • 20Total employees (full-time equivalent)
  • $39,925Total assets
  • $809Cash and due from depository institutions
  • $99Interest-bearing balances
  • $12,480Securities
  • $3,699Federal funds sold & reverse repurchase agreements
  • $21,269Net loans & leases
  • $251Loan loss allowance
  • $0Trading account assets
  • $922Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $746All other assets
  • $39,925Total liabilities and capital
  • $34,887Total liabilities
  • $34,518Total deposits
  • $31,530Interest-bearing deposits
  • $34,518Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $369All other liabilities
  • $5,038Total equity capital
  • $5,038Total bank equity capital
  • $5,038Perpetual preferred stock
  • $0Common stock
  • $503Surplus
  • $1,597Undivided profits
  • Memoranda
  • $2,938Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $255Earning assets
  • $121Long-term assets (5+ years)
  • $565Average Assets, year-to-date
  • $37,547Average Assets, quarterly
  • $2,126Volatile liabilities
  • $39,783Insider loans
  • $40,277FHLB advances
  • $5,380Loans and leases held for sale
  • $632Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,573Total unused commitments
  • $0Restructured Loans and leases
  • $24,481Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $3,076Total interest income
  • $1,457Total interest expense
  • $1,619Net interest income
  • $25Provision for loan and lease losses
  • $174Total noninterest income
  • $0Fiduciary activities
  • $146Service charges on deposit accounts
  • $0Trading account gains & fees
  • $28Additional noninterest income
  • $890Total noninterest expense
  • $547Salaries and employee benefits
  • $149Premises and equipment expense
  • $194Additional noninterest expense
  • $878Pre-tax net operating income
  • $128Securities gains (losses)
  • $315Applicable income taxes
  • $691Income before extraordinary items
  • $0Extraordinary gains - net
  • $691Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.26%Yield on earning assets
  • 3.91%Cost of funding earning assets
  • 4.35%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.39%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.74%Return on assets (ROA)
  • 2.53%Pretax return on assets
  • 14.80%Return on equity (ROE)
  • 14.80%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 73.53%Credit loss provision to net charge-offs
  • 26.56%Efficiency ratio
  • 49,637Assets per employee
  • 2.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 98.43%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 1.18%Net loans and leases to deposits
  • 61.62%Net loans and leases to core deposits
  • 72.99%Equity capital to assets
  • 12.62%Core capital (leverage) ratio
  • 12.31%Tier 1 risk-based capital ratio
  • 20.26%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $39,783Average earning assets
  • $4,669Average equity
  • $37,227Average loans

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