The Home State Bank in Loveland, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Home State Bank in Loveland, Colorado (CO)
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The Home State Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.homestatebank.com
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 180Total employees (full-time equivalent)
  • $599,069Total assets
  • $10,737Cash and due from depository institutions
  • $747Interest-bearing balances
  • $244,102Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $314,183Net loans & leases
  • $8,539Loan loss allowance
  • $0Trading account assets
  • $12,643Bank premises and fixed assets
  • $9,883Other real estate owned
  • $0Goodwill and other intangibles
  • $599,069Life insurance assets
  • $7,521All other assets
  • $542,885Total liabilities and capital
  • $525,306Total liabilities
  • $428,993Total deposits
  • $525,306Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 11643.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,395Trading liabilities
  • $0Other borrowed funds
  • $2,541Subordinated debt
  • $56,184All other liabilities
  • $56,184Total equity capital
  • $56,184Total bank equity capital
  • $0Perpetual preferred stock
  • $2,442Common stock
  • $2,832Surplus
  • $50,910Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $826Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,296Income earned, not collected on loans
  • $0Earning assets
  • $2,427Long-term assets (5+ years)
  • $559,032Average Assets, year-to-date
  • $159,465Average Assets, quarterly
  • $580,795Volatile liabilities
  • $594,580Insider loans
  • $365,568FHLB advances
  • $598,094Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $51,267Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $87,995Restructured Loans and leases
  • $1,834Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,339Total interest income
  • $3,210Total interest expense
  • $20,129Net interest income
  • $4,546Provision for loan and lease losses
  • $3,375Total noninterest income
  • $537Fiduciary activities
  • $1,871Service charges on deposit accounts
  • $0Trading account gains & fees
  • $967Additional noninterest income
  • $18,813Total noninterest expense
  • $11,672Salaries and employee benefits
  • $2,037Premises and equipment expense
  • $5,104Additional noninterest expense
  • $145Pre-tax net operating income
  • $988Securities gains (losses)
  • $22Applicable income taxes
  • $1,111Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,111Net income attributable to bank
  • $0Net charge-offs
  • $1,111Cash dividends
  • $4,547Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.02%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 2.04%Return on equity (ROE)
  • 2.04%Retained earnings to average equity (YTD only)
  • 1.36%Net charge-offs to loans
  • 99.98%Credit loss provision to net charge-offs
  • 1.03%Efficiency ratio
  • 80,042Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.65%Loss allowance to noncurrent loans
  • 52.40%Noncurrent assets plus other real estate owned to assets
  • 4.37%Noncurrent loans to loans
  • 5.05%Net loans and leases to deposits
  • 59.81%Net loans and leases to core deposits
  • 62.16%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 8.57%Tier 1 risk-based capital ratio
  • 14.02%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $580,795Average earning assets
  • $54,402Average equity
  • $540,208Average 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
  • $69,457Managed Assets
  • 1Number of Accounts
  • $62,655Personal trust and agency accounts
  • $57,211Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $688Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,729Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $27Non-managed Assets
  • 167Number of Accounts
  • $0Personal trust and agency accounts
  • $688Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,802Other retirement accounts
  • $4,573Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,229Fiduciary accounts held in foreign offices

List of branches

  • 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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