Home State Bank in Jefferson, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Home State Bank - Overview

  • General
  • FDIC Certificate #: 14867
    Status: Active
    Federal Reserve ID: 653947
    Bank Holding Company (Regulatory Top Holder): Greene Investment Co. (RSSDID: 1205905, Location: Jefferson, IA)
    Date Established: January 01, 1934
    WWW: http://www.hsbankiowa.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 10587
    FDIC's unique #: 9306
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: November 10, 1934
    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: 115 West State Street, Jefferson, IA 50129
    County: Greene
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $150.9 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $132.4 mil
    Return on assets (ROA): 1.61% ($2.4 mil)
    Quarterly return on assets: 1.55% ($2.3 mil)
    Return on Equity (ROE): 17.17% ($2.6 mil)
    Quarterly return on equity: 16.34% ($2.5 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.69% ($2,550.3 mil)
    Quarterly Pretax return on assets: 1.62% ($2,444.7 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
  • 24Total employees (full-time equivalent)
  • $150,908Total assets
  • $11,483Cash and due from depository institutions
  • $10,656Interest-bearing balances
  • $21,233Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,834Net loans & leases
  • $1,465Loan loss allowance
  • $0Trading account assets
  • $947Bank premises and fixed assets
  • $425Other real estate owned
  • $0Goodwill and other intangibles
  • $150,908Life insurance assets
  • $2,986All other assets
  • $136,349Total liabilities and capital
  • $132,420Total liabilities
  • $110,811Total deposits
  • $132,420Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 2558.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $750Trading liabilities
  • $0Other borrowed funds
  • $621Subordinated debt
  • $14,559All other liabilities
  • $14,559Total equity capital
  • $14,559Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $3,300Surplus
  • $10,559Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $252Income earned, not collected on loans
  • $0Earning assets
  • $1,049Long-term assets (5+ years)
  • $145,723Average Assets, year-to-date
  • $24,445Average Assets, quarterly
  • $150,370Volatile liabilities
  • $151,963Insider loans
  • $120,784FHLB advances
  • $157,315Loans and leases held for sale
  • $1,334Unused loan commitments
  • $1,334Tier 1 (core) risk-based capital
  • $14,389Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,130Restructured Loans and leases
  • $1,390Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,026Total interest income
  • $1,097Total interest expense
  • $4,929Net interest income
  • $180Provision for loan and lease losses
  • $633Total noninterest income
  • $115Fiduciary activities
  • $211Service charges on deposit accounts
  • $0Trading account gains & fees
  • $307Additional noninterest income
  • $2,907Total noninterest expense
  • $1,571Salaries and employee benefits
  • $257Premises and equipment expense
  • $1,079Additional noninterest expense
  • $2,475Pre-tax net operating income
  • $61Securities gains (losses)
  • $112Applicable income taxes
  • $2,424Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,424Net income attributable to bank
  • $0Net charge-offs
  • $2,424Cash dividends
  • $347Sale, conversion, retirement of capital stock, net
  • $1,885Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.13%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 1.57%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 17.17%Return on equity (ROE)
  • 3.82%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 51.87%Credit loss provision to net charge-offs
  • 7.65%Efficiency ratio
  • 52,265Assets per employee
  • 6.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.76%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 581.35%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 85.96%Net loans and leases to core deposits
  • 88.83%Equity capital to assets
  • 9.65%Core capital (leverage) ratio
  • 9.15%Tier 1 risk-based capital ratio
  • 11.91%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $150,370Average earning assets
  • $14,119Average equity
  • $145,769Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $47,734Managed Assets
  • 1Number of Accounts
  • $47,734Personal trust and agency accounts
  • $30,048Employee benefit-defined contribution accounts
  • $38Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $17,648Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 43Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09306Home State Bank115 West State Street, Jefferson, IA 50129January 01, 1934Full Service Brick and Mortar

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