FDIC Certificate #: 90040 Status: Active Federal Reserve ID: 499154 Date Established: December 16, 1960 WWW:http://www.hlsb.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 17681 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: Mortgage Lending Specialization Date of Deposit Insurance: September 28, 1987 Last Structure Change Effective Date: June 01, 2008 Last Structure Change Process Date: June 04, 2008 Last Data Update: June 04, 2008 Data Source Date: April 05, 2012
Location
Address: 205 N. 4th Street, Grand Junction, CO 81501 County: Mesa 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): Grand Junction, CO (#2995) Core Based Statistical Area (CBSA): Grand Junction, CO (#24300) CBSA Metro Statistical Area: Grand Junction, CO (#24300)
History of Changes
Name Change
Change in Entity Type
Financial Summary
Total assets: $65.0 mil Equity capital: $6.9 mil Deposits held in domestic offices: $54.2 mil Return on assets (ROA): 0.09% ($0.1 mil) Quarterly return on assets: 0.12% ($0.1 mil) Return on Equity (ROE): 0.73% ($0.1 mil) Quarterly return on equity: 1.10% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.06% ($39.0 mil) Quarterly Pretax return on assets: 0.07% ($45.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$64,978Total assets
$1,048Cash and due from depository institutions
$818Interest-bearing balances
$36,804Securities
$0Federal funds sold & reverse repurchase agreements
$19,883Net loans & leases
$475Loan loss allowance
$0Trading account assets
$6,218Bank premises and fixed assets
$110Other real estate owned
$0Goodwill and other intangibles
$64,978Life insurance assets
$915All other assets
$58,085Total liabilities and capital
$54,199Total liabilities
$40,757Total deposits
$54,199Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,610Trading liabilities
$0Other borrowed funds
$276Subordinated debt
$6,893All other liabilities
$6,893Total equity capital
$6,893Total bank equity capital
$3,000Perpetual preferred stock
$200Common stock
$750Surplus
$2,943Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$49Income earned, not collected on loans
$0Earning assets
$248Long-term assets (5+ years)
$57,505Average Assets, year-to-date
$43,888Average Assets, quarterly
$55,434Volatile liabilities
$66,080Insider loans
$33,978FHLB advances
$65,340Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,769Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,922Restructured Loans and leases
$730Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,233Total interest income
$679Total interest expense
$1,554Net interest income
$304Provision for loan and lease losses
$92Total noninterest income
$0Fiduciary activities
$6Service charges on deposit accounts
$0Trading account gains & fees
$86Additional noninterest income
$1,414Total noninterest expense
$681Salaries and employee benefits
$49Premises and equipment expense
$684Additional noninterest expense
-$72Pre-tax net operating income
$104Securities gains (losses)
-$18Applicable income taxes
$50Income before extraordinary items
$0Extraordinary gains - net
$50Net income attributable to bank
$0Net charge-offs
$50Cash dividends
$286Sale, conversion, retirement of capital stock, net
$113Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
1.41%Cost of funding earning assets
3.23%Net interest margin
0.19%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
-0.10%Net operating income to assets
0.09%Return on assets (ROA)
0.06%Pretax return on assets
0.73%Return on equity (ROE)
-0.92%Retained earnings to average equity (YTD only)
1.29%Net charge-offs to loans
106.29%Credit loss provision to net charge-offs
0.81%Efficiency ratio
85,905Assets per employee
6.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
226.00%Loss allowance to loans
2.33%Loss allowance to noncurrent loans
969.39%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.24%Net loans and leases to deposits
36.69%Net loans and leases to core deposits
42.44%Equity capital to assets
10.61%Core capital (leverage) ratio
10.36%Tier 1 risk-based capital ratio
19.92%Total risk-based capital ratio
Memoranda
$21Average assets
$55,434Average earning assets
$6,881Average equity
$48,087Average loans
List of branches
1 Colorado Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
17681
Home Loan State Bank
205 N. 4th Street, Grand Junction, CO 81501
December 16, 1960
Full Service Brick and Mortar
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