Home Savings and Loan Association, F.A. - Overview
General
FDIC Certificate #: 27898 Status: Active Federal Reserve ID: 612878 Date Established: January 01, 1919 WWW:http://www.norbornehsl.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 #: 508 FDIC's unique #: 40732 Numeric code: 38 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: Mortgage Lending Specialization Date of Deposit Insurance: March 01, 1954 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: 210 E Second Street, Norborne, MO 64668 County: Carroll Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $90.1 mil Equity capital: $13.5 mil Deposits held in domestic offices: $76.6 mil Return on assets (ROA): -0.15% (-$0.1 mil) Quarterly return on assets: -0.56% (-$0.5 mil) Return on Equity (ROE): -0.99% (-$0.1 mil) Quarterly return on equity: -3.68% (-$0.5 mil) Net income: -$0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.87% (-$784.3 mil) Quarterly Pretax return on assets: -0.87% (-$784.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$90,148Total assets
$18,367Cash and due from depository institutions
$17,060Interest-bearing balances
$9,589Securities
$0Federal funds sold & reverse repurchase agreements
$60,151Net loans & leases
$475Loan loss allowance
$0Trading account assets
$71Bank premises and fixed assets
$203Other real estate owned
$0Goodwill and other intangibles
$90,148Life insurance assets
$1,767All other assets
$76,626Total liabilities and capital
$76,613Total liabilities
$76,404Total deposits
$76,613Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$13Subordinated debt
$13,522All other liabilities
$13,522Total equity capital
$13,522Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$13,522Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,217Income earned, not collected on loans
$0Earning assets
$558Long-term assets (5+ years)
$86,800Average Assets, year-to-date
$0Average Assets, quarterly
$87,334Volatile liabilities
$90,089Insider loans
$44,487FHLB advances
$90,124Loans and leases held for sale
$517Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,498Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$965Restructured Loans and leases
$184Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,553Total interest income
$1,656Total interest expense
$1,897Net interest income
$1,160Provision for loan and lease losses
$64Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$1,563Total noninterest expense
$1,057Salaries and employee benefits
$218Premises and equipment expense
$288Additional noninterest expense
-$762Pre-tax net operating income
$0Securities gains (losses)
-$627Applicable income taxes
-$135Income before extraordinary items
$0Extraordinary gains - net
-$135Net income attributable to bank
$0Net charge-offs
-$135Cash dividends
$1,112Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
1.99%Cost of funding earning assets
2.28%Net interest margin
0.08%Noninterest income to earning assets
1.88%Noninterest expense to earning assets
-0.15%Net operating income to assets
-0.15%Return on assets (ROA)
-0.87%Pretax return on assets
-0.99%Return on equity (ROE)
-0.99%Retained earnings to average equity (YTD only)
1.87%Net charge-offs to loans
104.32%Credit loss provision to net charge-offs
0.36%Efficiency ratio
79,704Assets per employee
9.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
39.03%Noncurrent assets plus other real estate owned to assets
1.58%Noncurrent loans to loans
2.01%Net loans and leases to deposits
78.51%Net loans and leases to core deposits
81.57%Equity capital to assets
15.00%Core capital (leverage) ratio
14.98%Tier 1 risk-based capital ratio
30.34%Total risk-based capital ratio
Memoranda
$31Average assets
$87,334Average earning assets
$13,590Average equity
$83,158Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
40732
Home Savings And Loan Association, F.A.
210 E Second Street, Norborne, MO 64668
January 01, 1919
Full Service Brick and Mortar
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