FDIC Certificate #: 14867 Status: Active Federal Reserve ID: 653947 Bank Holding Company (Regulatory Top Holder): Greene Investment Co. (RSSDID: 1205905, Location: Jefferson, IA) Date Established: January 01, 1934 WWW:http://www.hsbankiowa.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 10587 FDIC's unique #: 9306 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: November 10, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 115 West State Street, Jefferson, IA 50129 County: Greene Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Des Moines Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $150.9 mil Equity capital: $14.6 mil Deposits held in domestic offices: $132.4 mil Return on assets (ROA): 1.61% ($2.4 mil) Quarterly return on assets: 1.55% ($2.3 mil) Return on Equity (ROE): 17.17% ($2.6 mil) Quarterly return on equity: 16.34% ($2.5 mil) Net income: $2.4 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.69% ($2,550.3 mil) Quarterly Pretax return on assets: 1.62% ($2,444.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$150,908Total assets
$11,483Cash and due from depository institutions
$10,656Interest-bearing balances
$21,233Securities
$0Federal funds sold & reverse repurchase agreements
$113,834Net loans & leases
$1,465Loan loss allowance
$0Trading account assets
$947Bank premises and fixed assets
$425Other real estate owned
$0Goodwill and other intangibles
$150,908Life insurance assets
$2,986All other assets
$136,349Total liabilities and capital
$132,420Total liabilities
$110,811Total deposits
$132,420Interest-bearing deposits
$95Deposits held in domestic offices
2558.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$750Trading liabilities
$0Other borrowed funds
$621Subordinated debt
$14,559All other liabilities
$14,559Total equity capital
$14,559Total bank equity capital
$0Perpetual preferred stock
$700Common stock
$3,300Surplus
$10,559Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$252Income earned, not collected on loans
$0Earning assets
$1,049Long-term assets (5+ years)
$145,723Average Assets, year-to-date
$24,445Average Assets, quarterly
$150,370Volatile liabilities
$151,963Insider loans
$120,784FHLB advances
$157,315Loans and leases held for sale
$1,334Unused loan commitments
$1,334Tier 1 (core) risk-based capital
$14,389Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$23,130Restructured Loans and leases
$1,390Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,026Total interest income
$1,097Total interest expense
$4,929Net interest income
$180Provision for loan and lease losses
$633Total noninterest income
$115Fiduciary activities
$211Service charges on deposit accounts
$0Trading account gains & fees
$307Additional noninterest income
$2,907Total noninterest expense
$1,571Salaries and employee benefits
$257Premises and equipment expense
$1,079Additional noninterest expense
$2,475Pre-tax net operating income
$61Securities gains (losses)
$112Applicable income taxes
$2,424Income before extraordinary items
$0Extraordinary gains - net
$2,424Net income attributable to bank
$0Net charge-offs
$2,424Cash dividends
$347Sale, conversion, retirement of capital stock, net
$1,885Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.13%Yield on earning assets
0.75%Cost of funding earning assets
3.38%Net interest margin
0.43%Noninterest income to earning assets
1.99%Noninterest expense to earning assets
1.57%Net operating income to assets
1.61%Return on assets (ROA)
1.69%Pretax return on assets
17.17%Return on equity (ROE)
3.82%Retained earnings to average equity (YTD only)
0.31%Net charge-offs to loans
51.87%Credit loss provision to net charge-offs
7.65%Efficiency ratio
52,265Assets per employee
6.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.76%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
581.35%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
0.22%Net loans and leases to deposits
85.96%Net loans and leases to core deposits
88.83%Equity capital to assets
9.65%Core capital (leverage) ratio
9.15%Tier 1 risk-based capital ratio
11.91%Total risk-based capital ratio
Memoranda
$13Average assets
$150,370Average earning assets
$14,119Average equity
$145,769Average 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
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