Home State Bank, National Association in Crystal Lake, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Home State Bank, National Association - Overview

  • General
  • FDIC Certificate #: 12815
    Status: Active
    Federal Reserve ID: 696430
    Bank Holding Company (Regulatory Top Holder): Home State Bancorp, Inc. (RSSDID: 1209181, Location: Crystal Lake, IL)
    Date Established: January 01, 1915
    WWW: http://www.homestateonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 12535
    FDIC's unique #: 8117
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: 40 Grant Street, Crystal Lake, IL 60014
    County: Mchenry
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $594.1 mil
    Equity capital: $65.6 mil
    Deposits held in domestic offices: $498.4 mil
    Return on assets (ROA): 0.18% ($1.1 mil)
    Quarterly return on assets: 0.21% ($1.2 mil)
    Return on Equity (ROE): 1.69% ($1.1 mil)
    Quarterly return on equity: 2.01% ($1.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.18% ($1,069.4 mil)
    Quarterly Pretax return on assets: 0.21% ($1,247.6 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
  • 167Total employees (full-time equivalent)
  • $594,114Total assets
  • $41,421Cash and due from depository institutions
  • $31,705Interest-bearing balances
  • $90,796Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $392,491Net loans & leases
  • $9,535Loan loss allowance
  • $0Trading account assets
  • $18,118Bank premises and fixed assets
  • $27,785Other real estate owned
  • $927Goodwill and other intangibles
  • $594,114Life insurance assets
  • $22,576All other assets
  • $528,542Total liabilities and capital
  • $498,424Total liabilities
  • $398,592Total deposits
  • $498,424Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,000Trading liabilities
  • $0Other borrowed funds
  • $3,118Subordinated debt
  • $65,572All other liabilities
  • $65,572Total equity capital
  • $65,572Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $24,500Surplus
  • $40,072Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,168Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,344Income earned, not collected on loans
  • $0Earning assets
  • $1,835Long-term assets (5+ years)
  • $514,992Average Assets, year-to-date
  • $98,119Average Assets, quarterly
  • $619,079Volatile liabilities
  • $612,732Insider loans
  • $439,277FHLB advances
  • $602,599Loans and leases held for sale
  • $8,890Unused loan commitments
  • $7,839Tier 1 (core) risk-based capital
  • $63,525Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,051Total unused commitments
  • $62,685Restructured Loans and leases
  • $2,824Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,514Total interest income
  • $4,762Total interest expense
  • $19,752Net interest income
  • $2,006Provision for loan and lease losses
  • $4,340Total noninterest income
  • $771Fiduciary activities
  • $2,553Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,016Additional noninterest income
  • $21,629Total noninterest expense
  • $10,352Salaries and employee benefits
  • $3,014Premises and equipment expense
  • $8,263Additional noninterest expense
  • $457Pre-tax net operating income
  • $630Securities gains (losses)
  • -$7Applicable income taxes
  • $1,094Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,094Net income attributable to bank
  • $0Net charge-offs
  • $1,094Cash dividends
  • $4,741Sale, conversion, retirement of capital stock, net
  • $444Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.07%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 1.69%Return on equity (ROE)
  • 1.00%Retained earnings to average equity (YTD only)
  • 1.16%Net charge-offs to loans
  • 42.31%Credit loss provision to net charge-offs
  • 0.52%Efficiency ratio
  • 89,777Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.59%Loss allowance to loans
  • 2.37%Loss allowance to noncurrent loans
  • 44.67%Noncurrent assets plus other real estate owned to assets
  • 8.27%Noncurrent loans to loans
  • 5.31%Net loans and leases to deposits
  • 78.75%Net loans and leases to core deposits
  • 83.23%Equity capital to assets
  • 11.04%Core capital (leverage) ratio
  • 10.54%Tier 1 risk-based capital ratio
  • 14.46%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $619,079Average earning assets
  • $64,850Average equity
  • $537,977Average 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
  • $87,509Managed Assets
  • 1Number of Accounts
  • $85,590Personal trust and agency accounts
  • $55,162Employee benefit-defined contribution accounts
  • $6,302Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $8,640Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $15,486Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 194Number of Accounts
  • $0Personal trust and agency accounts
  • $8,070Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,919Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,879Other fiduciary accounts
  • $40Fiduciary accounts held in foreign offices

List of branches

  • 9 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08117Home State Bank, National Association40 Grant Street, Crystal Lake, IL 60014January 01, 1915Full Service Brick and Mortar
    1227917Crystal Lake FacilityRoute 14 And Main Street, Crystal Lake, IL 60014December 23, 1982Full Service Brick and Mortar
    2227918Randall Road BranchRandall Road And Acorn Lane, Lake In The Hills, IL 60102December 18, 1992Full Service Brick and Mortar
    3227919Mchenry Banking Center Branch4401 Prime Parkway, Mchenry, IL 60050December 27, 1995Full Service Brick and Mortar
    5227921The Fountains Of Crystal Lake Branch40 Grant Street, Crystal Lake, IL 60014June 18, 1996Limited Service Mobile
    6227922Dominick's Banking Center Branch111 North Randall Road, Dominick's Finer Foods, Lake In The Hills, IL 60102July 28, 1997Full Service Brick and Mortar
    7227923Woodstock Banking Center Branch124 Johnson Street, Woodstock, IL 60098March 01, 1999Full Service Brick and Mortar
    8433508Route 14 Banking Center Branch611 South Main Street, Crystal Lake, IL 60014December 01, 2004Limited Service Loan Production
    10470519Diamond Drive Branch3500 Diamond Drive, Mchenry, IL 60050January 02, 2008Full Service Brick and Mortar

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