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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Home State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents