FDIC Certificate #: 28246 Status: Active Federal Reserve ID: 765877 Date Established: January 01, 1886 WWW:http://www.homesavingschanute.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 1227 FDIC's unique #: 41080 Numeric code: 34 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: December 14, 1938 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 214 N. Lincoln Ave., Chanute, KS 66720 County: Neosho Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $65.2 mil Equity capital: $14.3 mil Deposits held in domestic offices: $49.7 mil Return on assets (ROA): -0.08% (-$0.1 mil) Quarterly return on assets: 0.10% ($0.1 mil) Return on Equity (ROE): -0.36% (-$0.1 mil) Quarterly return on equity: 0.45% ($0.1 mil) Net income: -$0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: -0.28% (-$182.5 mil) Quarterly Pretax return on assets: 0.09% ($58.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$65,183Total assets
$3,610Cash and due from depository institutions
$2,996Interest-bearing balances
$34,889Securities
$0Federal funds sold & reverse repurchase agreements
$19,433Net loans & leases
$248Loan loss allowance
$0Trading account assets
$472Bank premises and fixed assets
$1,634Other real estate owned
$0Goodwill and other intangibles
$65,186Life insurance assets
$5,145All other assets
$50,899Total liabilities and capital
$49,658Total liabilities
$49,027Total deposits
$49,658Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,241Subordinated debt
$14,287All other liabilities
$14,287Total equity capital
$14,287Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$14,287Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$54Income earned, not collected on loans
$0Earning assets
$251Long-term assets (5+ years)
$57,318Average Assets, year-to-date
$0Average Assets, quarterly
$63,433Volatile liabilities
$65,058Insider loans
$27,454FHLB advances
$64,196Loans and leases held for sale
$3,556Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,469Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$110Restructured Loans and leases
$203Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,107Total interest income
$622Total interest expense
$1,485Net interest income
$34Provision for loan and lease losses
$227Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$227Additional noninterest income
$1,857Total noninterest expense
$1,056Salaries and employee benefits
$304Premises and equipment expense
$497Additional noninterest expense
-$179Pre-tax net operating income
$0Securities gains (losses)
-$128Applicable income taxes
-$51Income before extraordinary items
$0Extraordinary gains - net
-$51Net income attributable to bank
$0Net charge-offs
-$51Cash dividends
$243Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.79%Yield on earning assets
1.12%Cost of funding earning assets
2.67%Net interest margin
0.41%Noninterest income to earning assets
3.34%Noninterest expense to earning assets
-0.08%Net operating income to assets
-0.08%Return on assets (ROA)
-0.28%Pretax return on assets
-0.36%Return on equity (ROE)
-0.36%Retained earnings to average equity (YTD only)
1.16%Net charge-offs to loans
13.99%Credit loss provision to net charge-offs
-0.60%Efficiency ratio
108,470Assets per employee
5.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
459.26%Noncurrent assets plus other real estate owned to assets
1.97%Noncurrent loans to loans
0.27%Net loans and leases to deposits
39.13%Net loans and leases to core deposits
42.88%Equity capital to assets
21.92%Core capital (leverage) ratio
20.98%Tier 1 risk-based capital ratio
49.06%Total risk-based capital ratio
Memoranda
$50Average assets
$63,433Average earning assets
$14,333Average equity
$55,650Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41080
Home Savings Bank
214 N. Lincoln Ave., Chanute, KS 66720
January 01, 1886
Full Service Brick and Mortar
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