FDIC Certificate #: 10650 Status: Active Federal Reserve ID: 29953 Bank Holding Company (Regulatory Top Holder): Louisville Company (RSSDID: 1058044, Location: Louisville, NE) Date Established: January 01, 1915 WWW:http://www.hsbonline.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) OTS Docket #: 9367 FDIC's unique #: 6830 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: January 01, 1934 Last Structure Change Effective Date: May 03, 2010 Last Structure Change Process Date: May 04, 2010 Last Data Update: May 04, 2010 Data Source Date: April 05, 2012
Location
Address: 218 Main Street, Louisville, NE 68037 County: Cass Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Omaha Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Omaha, NE-IA (#5920) Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420) Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540) CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
Financial Summary
Total assets: $79.8 mil Equity capital: $10.1 mil Deposits held in domestic offices: $54.7 mil Return on assets (ROA): 2.01% ($1.6 mil) Quarterly return on assets: 2.29% ($1.8 mil) Return on Equity (ROE): 16.04% ($1.6 mil) Quarterly return on equity: 17.89% ($1.8 mil) Net income: $1.6 mil Quarterly Net income: $0.5 mil Pretax return on assets: 2.01% ($1,603.6 mil) Quarterly Pretax return on assets: 2.29% ($1,826.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$79,779Total assets
$6,100Cash and due from depository institutions
$1,110Interest-bearing balances
$9,572Securities
$0Federal funds sold & reverse repurchase agreements
$60,401Net loans & leases
$1,057Loan loss allowance
$0Trading account assets
$1,083Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$79,778Life insurance assets
$2,623All other assets
$69,655Total liabilities and capital
$54,662Total liabilities
$41,651Total deposits
$54,662Interest-bearing deposits
$91Deposits held in domestic offices
2835.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$12,030Trading liabilities
$0Other borrowed funds
$128Subordinated debt
$10,123All other liabilities
$10,123Total equity capital
$10,123Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$1,350Surplus
$8,523Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$457Long-term assets (5+ years)
$71,083Average Assets, year-to-date
$5,386Average Assets, quarterly
$80,721Volatile liabilities
$79,024Insider loans
$73,416FHLB advances
$79,977Loans and leases held for sale
$28Unused loan commitments
$28Tier 1 (core) risk-based capital
$10,112Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,051Restructured Loans and leases
$1,711Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,314Total interest income
$979Total interest expense
$3,335Net interest income
$0Provision for loan and lease losses
$244Total noninterest income
$0Fiduciary activities
$130Service charges on deposit accounts
$0Trading account gains & fees
$114Additional noninterest income
$1,954Total noninterest expense
$1,062Salaries and employee benefits
$314Premises and equipment expense
$578Additional noninterest expense
$1,625Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,625Income before extraordinary items
$0Extraordinary gains - net
$1,625Net income attributable to bank
$0Net charge-offs
$1,625Cash dividends
$86Sale, conversion, retirement of capital stock, net
$1,515Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.88%Yield on earning assets
1.34%Cost of funding earning assets
4.55%Net interest margin
0.33%Noninterest income to earning assets
2.67%Noninterest expense to earning assets
2.01%Net operating income to assets
2.01%Return on assets (ROA)
2.01%Pretax return on assets
16.04%Return on equity (ROE)
1.09%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
18.90%Efficiency ratio
54,596Assets per employee
4.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
93.23%Loss allowance to loans
1.72%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.00%Net loans and leases to deposits
110.50%Net loans and leases to core deposits
113.63%Equity capital to assets
12.69%Core capital (leverage) ratio
12.64%Tier 1 risk-based capital ratio
13.77%Total risk-based capital ratio
Memoranda
$15Average assets
$80,721Average earning assets
$10,130Average equity
$73,309Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6830
Home State Bank
218 Main Street, Louisville, NE 68037
January 01, 1915
Full Service Brick and Mortar
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