The Home State Bank in Loveland, Colorado (CO)

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The Home State Bank
GeneralFDIC Certificate #: 16902
Status: Active
Federal Reserve ID: 89751
Bank Holding Company (Regulatory Top Holder): Home State Bancorp (RSSDID: 3234105, Location: Loveland, CO)
Date Established: April 01, 1950
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 10989
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 01, 1950
Last Structure Change Effective Date: March 21, 2012
Last Structure Change Process Date: March 21, 2012
Last Data Update: March 21, 2012
Data Source Date: April 05, 2012
LocationAddress: 2695 West Eisenhower Blvd, Loveland, CO 80537
County: Larimer
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Denver
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Fort Collins-Loveland, CO (#2670)
Core Based Statistical Area (CBSA): Fort Collins-Loveland, CO (#22660)
CBSA Metro Statistical Area: Fort Collins-Loveland, CO (#22660)
Financial SummaryTotal assets: $599.1 mil
Equity capital: $56.2 mil
Deposits held in domestic offices: $525.3 mil
Return on assets (ROA): 0.19% ($1.1 mil)
Quarterly return on assets: 0.18% ($1.1 mil)
Return on Equity (ROE): 2.04% ($1.1 mil)
Quarterly return on equity: 1.87% ($1.0 mil)
Net income: $1.1 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.20% ($1,198.1 mil)
Quarterly Pretax return on assets: 0.17% ($1,018.4 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)
Total employees (full-time equivalent)180
Total assets$599,069
Cash and due from depository institutions$10,737
Interest-bearing balances$747
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$314,183
Loan loss allowance $8,539
Trading account assets$0
Bank premises and fixed assets$12,643
Other real estate owned$9,883
Goodwill and other intangibles$0
All other assets$7,521
Life insurance assets$599,069
Total liabilities and capital$542,885
Total liabilities$525,306
Total deposits$428,993
Interest-bearing deposits$525,306
Deposits held in domestic offices$88
% insured (estimated)11643.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,395
Other borrowed funds $0
Subordinated debt $2,541
All other liabilities $56,184
Total equity capital$56,184
Total bank equity capital$56,184
Perpetual preferred stock$0
Common stock$2,442
Undivided profits $50,910
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $826
Income earned, not collected on loans $16,296
Earning assets $0
Long-term assets (5+ years) $2,427
Average Assets, year-to-date $559,032
Average Assets, quarterly $159,465
Volatile liabilities $580,795
Insider loans $594,580
FHLB advances $365,568
Loans and leases held for sale $598,094
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $51,267
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $87,995
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $23,339
Total interest expense $3,210
Net interest income $20,129
Provision for loan and lease losses $4,546
Total noninterest income $3,375
Fiduciary activities $537
Service charges on deposit accounts $1,871
Trading account gains & fees $0
Additional noninterest income $967
Total noninterest expense $18,813
Salaries and employee benefits $11,672
Premises and equipment expense $2,037
Additional noninterest expense $5,104
Pre-tax net operating income $145
Securities gains (losses) $988
Applicable income taxes $22
Income before extraordinary items $1,111
Extraordinary gains - net $0
Net income attributable to bank $1,111
Net charge-offs $0
Cash dividends $1,111
Sale, conversion, retirement of capital stock, net $4,547
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.32%
Cost of funding earning assets 0.59%
Net interest margin 3.73%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 3.48%
Net operating income to assets 0.02%
Return on assets (ROA) 0.19%
Pretax return on assets 0.20%
Return on equity (ROE) 2.04%
Retained earnings to average equity (YTD only) 2.04%
Net charge-offs to loans 1.36%
Credit loss provision to net charge-offs 99.98%
Efficiency ratio1.03%
Assets per employee$80,042
Cash dividends to net income (YTD only)3.33%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.65%
Noncurrent assets plus other real estate owned to assets 52.40%
Noncurrent loans to loans 4.37%
Net loans and leases to deposits5.05%
Net loans and leases to core deposits 59.81%
Equity capital to assets 62.16%
Core capital (leverage) ratio 9.38%
Tier 1 risk-based capital ratio 8.57%
Total risk-based capital ratio 14.02%
Average assets$15
Average earning assets$580,795
Average equity $54,402
Average loans $540,208
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$69,457
Number of Accounts1
Personal trust and agency accounts$62,655
Employee benefit-defined contribution accounts$57,211
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$688
Investment management agency accounts$0
Other fiduciary accounts$4,729
Fiduciary accounts held in foreign offices$0
Non-managed Assets$27
Number of Accounts167
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$688
Employee benefit-defined benefit accounts$0
Other retirement accounts$6,802
Corporate trust and agency accounts$4,573
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$2,229
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10 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010989The Home State Bank2695 West Eisenhower Blvd, Loveland, CO 80537April 01, 1950Full Service Brick and Mortar
2239515East Eisenhower Branch1355 East Eisenhower Boulevard, Loveland, CO 80537May 15, 1997Full Service Brick and Mortar
4239517Mountain Branch303 East Mountain Avenue, Fort Collins, CO 80524December 01, 1997Full Service Brick and Mortar
5362858Timberline Branch3227 Timberline Avenue, Fort Collins, CO 80525October 24, 2001Full Service Brick and Mortar
614948Cleveland Branch935 N. Cleveland, Loveland, CO 80537June 05, 1974Full Service Brick and Mortar
9440379Raintree Branch2337 South Shields Street, Fort Collins, CO 80526March 03, 2005Full Service Brick and Mortar
10452552Berthoud Branch310 Mountain Avenue, Berthoud, CO 80513June 28, 2006Full Service Brick and Mortar
11467623Westgate Drive Branch7499 Westgate Drive, Windsor, CO 80528March 13, 2007Full Service Brick and Mortar
12469743East 29th Street Branch300 East 29th Street, Loveland, CO 80538November 26, 2007Full Service Brick and Mortar
13522277Longmont Branch636 Coffman Street, Ste 101, Longmont, CO 80501September 15, 2011Full Service Brick and Mortar
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