Home State Bank & Trust Co. of McPherson, Kansas in Mcpherson, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Home State Bank & Trust Co. of McPherson, Kansas - Overview

  • General
  • FDIC Certificate #: 15262
    Status: Active
    Federal Reserve ID: 150754
    Bank Holding Company (Regulatory Top Holder): Goering Management Company, Llc (RSSDID: 2961226, Location: Moundridge, KS)
    Date Established: October 21, 1903
    WWW: http://www.hsbt.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9609
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: August 21, 1935
    Last Structure Change Effective Date: April 27, 2011
    Last Structure Change Process Date: April 27, 2011
    Last Data Update: April 27, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 223 North Main Street, Mcpherson, KS 67460
    County: Mcpherson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): McPherson, KS (#32700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $144.4 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $111.2 mil
    Return on assets (ROA): 0.06% ($0.1 mil)
    Quarterly return on assets: 0.25% ($0.4 mil)
    Return on Equity (ROE): 0.68% ($0.1 mil)
    Quarterly return on equity: 2.28% ($0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.09% ($129.9 mil)
    Quarterly Pretax return on assets: 0.33% ($476.4 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
  • 48Total employees (full-time equivalent)
  • $144,358Total assets
  • $11,980Cash and due from depository institutions
  • $2,186Interest-bearing balances
  • $52,965Securities
  • $2,430Federal funds sold & reverse repurchase agreements
  • $64,772Net loans & leases
  • $2Loan loss allowance
  • $0Trading account assets
  • $1,835Bank premises and fixed assets
  • $433Other real estate owned
  • $4,753Goodwill and other intangibles
  • $144,358Life insurance assets
  • $5,190All other assets
  • $125,658Total liabilities and capital
  • $111,242Total liabilities
  • $96,813Total deposits
  • $111,242Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 6254.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,597Trading liabilities
  • $0Other borrowed funds
  • $565Subordinated debt
  • $18,700All other liabilities
  • $18,700Total equity capital
  • $18,700Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $18,419Surplus
  • $101Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $857Income earned, not collected on loans
  • $0Earning assets
  • $680Long-term assets (5+ years)
  • $122,353Average Assets, year-to-date
  • $57,455Average Assets, quarterly
  • $133,968Volatile liabilities
  • $138,452Insider loans
  • $117,571FHLB advances
  • $136,549Loans and leases held for sale
  • $2,004Unused loan commitments
  • $2,004Tier 1 (core) risk-based capital
  • $13,933Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,903Restructured Loans and leases
  • $50Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $447Total interest income
  • $99Total interest expense
  • $348Net interest income
  • $0Provision for loan and lease losses
  • $111Total noninterest income
  • $0Fiduciary activities
  • $22Service charges on deposit accounts
  • $0Trading account gains & fees
  • $89Additional noninterest income
  • $344Total noninterest expense
  • $216Salaries and employee benefits
  • $34Premises and equipment expense
  • $94Additional noninterest expense
  • $115Pre-tax net operating income
  • $0Securities gains (losses)
  • $28Applicable income taxes
  • $87Income before extraordinary items
  • $0Extraordinary gains - net
  • $87Net income attributable to bank
  • $0Net charge-offs
  • $87Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.37%Yield on earning assets
  • 0.08%Cost of funding earning assets
  • 0.29%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 0.29%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.68%Return on equity (ROE)
  • 0.68%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
  • 74,946Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.23%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 58.23%Net loans and leases to core deposits
  • 63.75%Equity capital to assets
  • 12.95%Core capital (leverage) ratio
  • 10.20%Tier 1 risk-based capital ratio
  • 11.85%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $133,968Average earning assets
  • $12,747Average equity
  • $119,789Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $10,515Managed Assets
  • 1Number of Accounts
  • $10,515Personal trust and agency accounts
  • $8,754Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $100Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,661Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 28Number 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

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09609Home State Bank & Trust Co. Of Mcpherson, Kansas223 North Main Street, Mcpherson, KS 67460October 21, 1903Full Service Brick and Mortar
    1233553Drive-In Branch115-123 West Euclid Street, Mcpherson, KS 67460May 29, 1973Limited Service Facility
    2233554North Bank Branch1300 North Main Street, Mcpherson, KS 67460June 10, 1980Full Service Brick and Mortar
    3442559East Bank Branch104 S. Centennial, Mcpherson, KS 67460January 03, 2005Full Service Brick and Mortar

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