Home Trust Savings and Loan Association in Vermillion, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 1993

Home Trust Savings and Loan Association in Vermillion, South Dakota (SD)
Show street view No street view available for this location

Home Trust Savings and Loan Association - Overview

General
FDIC Certificate #: 31574
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank & Trust (#3973)
Federal Reserve ID: 433671
Date Established: January 01, 1964
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 7200
FDIC's unique #: 44408
Numeric code: 35
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: January 25, 1971
Last Structure Change Effective Date: January 31, 1993
Last Structure Change Process Date: Febuary 17, 1993
Last Data Update: Febuary 17, 1993
Data Source Date: April 05, 2012
Location
Address: 20 East Main St, Vermillion, SD 57069
County: Clay
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Sioux Falls
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Sioux City-Vermillion, IA-NE-SD (#512)
Core Based Statistical Area (CBSA): Vermillion, SD (#46820)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $29.0 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$16Total assets
$29,046Cash and due from depository institutions
$3,572Interest-bearing balances
$3,345Securities
$4,308Federal funds sold & reverse repurchase agreements
$5Net loans & leases
$19,865Loan loss allowance
$1,084Trading account assets
$0Bank premises and fixed assets
$313Other real estate owned
$226Goodwill and other intangibles
$757Life insurance assets
$0All other assets
$0Total liabilities and capital
$29,046Total liabilities
$26,519Total deposits
$26,174Interest-bearing deposits
$25,921Deposits held in domestic offices
26174.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$345Total equity capital
$345Total bank equity capital
$2,527Perpetual preferred stock
$0Common stock
$488Surplus
$898Undivided profits
Memoranda
$1,141Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$454Income earned, not collected on loans
$122Earning assets
$27,523Long-term assets (5+ years)
$0Average Assets, year-to-date
$29,229Average Assets, quarterly
$29,079Volatile liabilities
$1,502Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$4,071Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,527Total risk weighted assets
$12,886Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$3,577Total interest expense
$1,445Net interest income
$2,132Provision for loan and lease losses
$108Total noninterest income
$621Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$621Total noninterest expense
$1,670Salaries and employee benefits
$346Premises and equipment expense
$490Additional noninterest expense
$834Pre-tax net operating income
$975Securities gains (losses)
$0Applicable income taxes
$294Income before extraordinary items
$681Extraordinary gains - net
$0Net income attributable to bank
$681Net charge-offs
$188Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
12.91%Cost of funding earning assets
5.21%Net interest margin
7.69%Noninterest income to earning assets
2.24%Noninterest expense to earning assets
6.03%Net operating income to assets
2.33%Return on assets (ROA)
2.33%Pretax return on assets
3.34%Return on equity (ROE)
30.90%Retained earnings to average equity (YTD only)
30.90%Net charge-offs to loans
0.85%Credit loss provision to net charge-offs
57.45%Efficiency ratio
60,661Assets per employee
1.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
5.17%Loss allowance to noncurrent loans
238.77%Noncurrent assets plus other real estate owned to assets
2.24%Noncurrent loans to loans
2.17%Net loans and leases to deposits
75.90%Net loans and leases to core deposits
80.52%Equity capital to assets
8.70%Core capital (leverage) ratio
8.71%Tier 1 risk-based capital ratio
19.61%Total risk-based capital ratio
Memoranda
$21Average assets
$29,229Average earning assets
$2,204Average equity
$27,717Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Home Trust Savings and Loan Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.