Home State Bank and Trust Company in Humboldt, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 1994

Home State Bank and Trust Company in Humboldt, Nebraska (NE)
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Home State Bank and Trust Company - Overview

General
FDIC Certificate #: 11029
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: American National Bank (#32972)
Federal Reserve ID: 195858
Date Established: Febuary 01, 1915
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 10114
FDIC's unique #: 7070
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 31, 1994
Last Structure Change Process Date: Febuary 10, 1994
Last Data Update: Febuary 10, 1994
Data Source Date: April 05, 2012
Location
Address: 707 4th Street, Humboldt, NE 68376
County: Richardson
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
Financial Summary
Total assets: $27.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$15Total assets
$27,394Cash and due from depository institutions
$3,486Interest-bearing balances
$2,490Securities
$9,618Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$13,805Loan loss allowance
$173Trading account assets
$0Bank premises and fixed assets
$110Other real estate owned
$0Goodwill and other intangibles
$375Life insurance assets
$0All other assets
$0Total liabilities and capital
$27,394Total liabilities
$25,308Total deposits
$24,691Interest-bearing deposits
$22,803Deposits held in domestic offices
24691.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$364Trading liabilities
$0Other borrowed funds
$101Subordinated debt
$0All other liabilities
$152Total equity capital
$152Total bank equity capital
$2,086Perpetual preferred stock
$0Common stock
$800Surplus
$1,150Undivided profits
Memoranda
$136Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$182Earning assets
$25,913Long-term assets (5+ years)
$3,055Average Assets, year-to-date
$28,178Average Assets, quarterly
$27,753Volatile liabilities
$1,279Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,803Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,086Total risk weighted assets
$15,662Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,063Total interest expense
$979Net interest income
$1,084Provision for loan and lease losses
-$4Total noninterest income
$411Fiduciary activities
$0Service charges on deposit accounts
$123Trading account gains & fees
$0Additional noninterest income
$288Total noninterest expense
$984Salaries and employee benefits
$497Premises and equipment expense
$40Additional noninterest expense
$447Pre-tax net operating income
$515Securities gains (losses)
$4Applicable income taxes
$157Income before extraordinary items
$362Extraordinary gains - net
$0Net income attributable to bank
$362Net charge-offs
$4Cash dividends
$325Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.72%Cost of funding earning assets
3.66%Net interest margin
4.06%Noninterest income to earning assets
1.54%Noninterest expense to earning assets
3.68%Net operating income to assets
1.27%Return on assets (ROA)
1.28%Pretax return on assets
1.84%Return on equity (ROE)
17.47%Retained earnings to average equity (YTD only)
1.79%Net charge-offs to loans
0.03%Credit loss provision to net charge-offs
-100.00%Efficiency ratio
65,819Assets per employee
1.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.78%Loss allowance to loans
1.24%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
55.91%Net loans and leases to core deposits
57.82%Equity capital to assets
7.61%Core capital (leverage) ratio
7.59%Tier 1 risk-based capital ratio
13.32%Total risk-based capital ratio
Memoranda
$14Average assets
$28,178Average earning assets
$2,072Average equity
$26,718Average loans

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