Home State Bank in Erie, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 13, 2010

Home State Bank - Overview

  • General
  • FDIC Certificate #: 1875
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: The Eastern Colorado Bank (#16125)
    Federal Reserve ID: 797159
    Date Established: December 03, 1903
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    OTS Docket #: 13706
    FDIC's unique #: 1251
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 13, 2010
    Last Structure Change Process Date: August 30, 2010
    Last Data Update: August 30, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 316-320 South Main Street, Erie, KS 66733
    County: Neosho
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $26.7 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, 2009)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $20,982Total assets
  • $3,623Cash and due from depository institutions
  • $3,319Interest-bearing balances
  • $6,639Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $10,235Net loans & leases
  • $107Loan loss allowance
  • $0Trading account assets
  • $182Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $303All other assets
  • $20,982Total liabilities and capital
  • $19,127Total liabilities
  • $19,103Total deposits
  • $16,654Interest-bearing deposits
  • $19,103Deposits held in domestic offices
  • 70.10%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $24All other liabilities
  • $1,855Total equity capital
  • $1,855Total bank equity capital
  • $1,855Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $479Undivided profits
  • Memoranda
  • $1,176Noncurrent loans and leases
  • $1,462Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $135Average Assets, year-to-date
  • $20,193Average Assets, quarterly
  • $2,306Volatile liabilities
  • $21,107Insider loans
  • $20,390FHLB advances
  • $2,559Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,462Total unused commitments
  • $0Restructured Loans and leases
  • $107Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $914Total interest income
  • $168Total interest expense
  • $746Net interest income
  • $0Provision for loan and lease losses
  • $134Total noninterest income
  • $0Fiduciary activities
  • $118Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $652Total noninterest expense
  • $312Salaries and employee benefits
  • $126Premises and equipment expense
  • $214Additional noninterest expense
  • $228Pre-tax net operating income
  • $0Securities gains (losses)
  • $12Applicable income taxes
  • $216Income before extraordinary items
  • $0Extraordinary gains - net
  • $216Net income attributable to bank
  • $0Net charge-offs
  • $216Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $95Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 12.08%Return on equity (ROE)
  • 6.77%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,091Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.98%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 53.58%Net loans and leases to core deposits
  • 61.87%Equity capital to assets
  • 8.84%Core capital (leverage) ratio
  • 8.14%Tier 1 risk-based capital ratio
  • 18.82%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $21,107Average earning assets
  • $1,788Average equity
  • $19,741Average loans

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