Home Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 31774 Status: Active Federal Reserve ID: 582878 Date Established: January 01, 1920 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 #: 7450 FDIC's unique #: 44608 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: January 16, 1976 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: 2990 Main Highway, Bamberg, SC 29003 County: Bamberg Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Columbia Sc Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Southeast
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $38.5 mil Equity capital: $3.8 mil Deposits held in domestic offices: $34.4 mil Return on assets (ROA): 0.40% ($0.2 mil) Quarterly return on assets: -0.33% (-$0.1 mil) Return on Equity (ROE): 3.99% ($0.2 mil) Quarterly return on equity: -3.38% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.76% ($292.6 mil) Quarterly Pretax return on assets: -0.10% (-$38.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$38,500Total assets
$957Cash and due from depository institutions
$303Interest-bearing balances
$600Securities
$1,315Federal funds sold & reverse repurchase agreements
$34,299Net loans & leases
$84Loan loss allowance
$0Trading account assets
$360Bank premises and fixed assets
$346Other real estate owned
$7Goodwill and other intangibles
$38,500Life insurance assets
$616All other assets
$34,724Total liabilities and capital
$34,393Total liabilities
$34,393Total deposits
$34,393Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$331Subordinated debt
$3,776All other liabilities
$3,776Total equity capital
$3,776Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$3,776Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$584Income earned, not collected on loans
$0Earning assets
$146Long-term assets (5+ years)
$36,517Average Assets, year-to-date
$0Average Assets, quarterly
$37,313Volatile liabilities
$38,295Insider loans
$22,805FHLB advances
$38,500Loans and leases held for sale
$297Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,776Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,676Restructured Loans and leases
$214Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,092Total interest income
$634Total interest expense
$1,458Net interest income
$43Provision for loan and lease losses
-$78Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
-$78Additional noninterest income
$1,053Total noninterest expense
$768Salaries and employee benefits
$113Premises and equipment expense
$172Additional noninterest expense
$284Pre-tax net operating income
$0Securities gains (losses)
$135Applicable income taxes
$149Income before extraordinary items
$0Extraordinary gains - net
$149Net income attributable to bank
$0Net charge-offs
$149Cash dividends
$42Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.89%Yield on earning assets
1.79%Cost of funding earning assets
4.11%Net interest margin
-0.22%Noninterest income to earning assets
2.97%Noninterest expense to earning assets
0.40%Net operating income to assets
0.40%Return on assets (ROA)
0.76%Pretax return on assets
3.99%Return on equity (ROE)
3.99%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
102.38%Credit loss provision to net charge-offs
7.79%Efficiency ratio
76,014Assets per employee
7.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.24%Loss allowance to noncurrent loans
14.38%Noncurrent assets plus other real estate owned to assets
2.42%Noncurrent loans to loans
1.70%Net loans and leases to deposits
99.73%Net loans and leases to core deposits
106.93%Equity capital to assets
9.81%Core capital (leverage) ratio
9.81%Tier 1 risk-based capital ratio
16.56%Total risk-based capital ratio
Memoranda
$17Average assets
$37,313Average earning assets
$3,730Average equity
$35,496Average loans
List of branches
1 South Carolina Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
44608
Home Federal Savings And Loan Associ
2990 Main Highway, Bamberg, SC 29003
January 01, 1920
Full Service Brick and Mortar
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