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

Home State Bank - Overview

  • General
  • FDIC Certificate #: 966
    Status: Active
    Federal Reserve ID: 472045
    Bank Holding Company (Regulatory Top Holder): Royal Bancshares, Inc. (RSSDID: 1207758, Location: Royal, IA)
    Date Established: April 12, 1915
    WWW: http://www.hsbroyal.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 633
    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: January 01, 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: Third And Main, Royal, IA 51357
    County: Clay
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Spencer, IA (#43980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $43.1 mil
    Equity capital: $12.6 mil
    Deposits held in domestic offices: $30.0 mil
    Return on assets (ROA): 1.90% ($0.8 mil)
    Quarterly return on assets: 1.39% ($0.6 mil)
    Return on Equity (ROE): 6.18% ($0.8 mil)
    Quarterly return on equity: 4.57% ($0.6 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 2.00% ($861.8 mil)
    Quarterly Pretax return on assets: 1.48% ($637.8 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
  • 5Total employees (full-time equivalent)
  • $43,092Total assets
  • $1,647Cash and due from depository institutions
  • $945Interest-bearing balances
  • $18,815Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $22,004Net loans & leases
  • $225Loan loss allowance
  • $0Trading account assets
  • $6Bank premises and fixed assets
  • $134Other real estate owned
  • $0Goodwill and other intangibles
  • $43,092Life insurance assets
  • $486All other assets
  • $30,535Total liabilities and capital
  • $30,032Total liabilities
  • $25,647Total deposits
  • $30,032Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 459.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8Trading liabilities
  • $0Other borrowed funds
  • $36Subordinated debt
  • $12,557All other liabilities
  • $12,557Total equity capital
  • $12,557Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,300Surplus
  • $11,057Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $43Income earned, not collected on loans
  • $0Earning assets
  • $353Long-term assets (5+ years)
  • $41,764Average Assets, year-to-date
  • $18,246Average Assets, quarterly
  • $39,470Volatile liabilities
  • $41,253Insider loans
  • $28,248FHLB advances
  • $41,931Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,918Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,112Restructured Loans and leases
  • $566Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,694Total interest income
  • $255Total interest expense
  • $1,439Net interest income
  • $0Provision for loan and lease losses
  • $64Total noninterest income
  • $0Fiduciary activities
  • $51Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13Additional noninterest income
  • $714Total noninterest expense
  • $402Salaries and employee benefits
  • $34Premises and equipment expense
  • $278Additional noninterest expense
  • $789Pre-tax net operating income
  • $0Securities gains (losses)
  • $39Applicable income taxes
  • $750Income before extraordinary items
  • $0Extraordinary gains - net
  • $750Net income attributable to bank
  • $0Net charge-offs
  • $750Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $437Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 1.86%Noninterest expense to earning assets
  • 1.90%Net operating income to assets
  • 1.90%Return on assets (ROA)
  • 2.00%Pretax return on assets
  • 6.18%Return on equity (ROE)
  • 2.58%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 789.00%Efficiency ratio
  • 47,505Assets per employee
  • 8.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.27%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 523.26%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 73.27%Net loans and leases to core deposits
  • 73.27%Equity capital to assets
  • 29.14%Core capital (leverage) ratio
  • 28.42%Tier 1 risk-based capital ratio
  • 42.19%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $39,470Average earning assets
  • $12,126Average equity
  • $38,405Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0633Home State BankThird And Main, Royal, IA 51357April 12, 1915Full Service Brick and Mortar

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