Home Federal Savings and Loan Association of Grand Island in Grand Island, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Home Federal Savings and Loan Association of Grand Island in Grand Island, Nebraska (NE)
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Home Federal Savings and Loan Association of Grand Island - Overview

  • General
  • FDIC Certificate #: 29476
    Status: Active
    Federal Reserve ID: 317379
    Date Established: June 01, 1935
    WWW: http://www.homefedgi.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 3519
    FDIC's unique #: 42310
    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: Commercial Lending Specialization
    Date of Deposit Insurance: July 05, 1935
    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: 221 South Locust Street, Grand Island, NE 68801
    County: Hall
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Island
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Grand Island, NE (#24260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $209.4 mil
    Equity capital: $20.9 mil
    Deposits held in domestic offices: $184.3 mil
    Return on assets (ROA): 0.70% ($1.5 mil)
    Quarterly return on assets: 0.66% ($1.4 mil)
    Return on Equity (ROE): 6.98% ($1.5 mil)
    Quarterly return on equity: 6.49% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.95% ($1,988.9 mil)
    Quarterly Pretax return on assets: 0.85% ($1,779.6 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
  • 59Total employees (full-time equivalent)
  • $209,362Total assets
  • $10,562Cash and due from depository institutions
  • $2,902Interest-bearing balances
  • $76,064Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,191Net loans & leases
  • $3,185Loan loss allowance
  • $0Trading account assets
  • $4,136Bank premises and fixed assets
  • $15Other real estate owned
  • $767Goodwill and other intangibles
  • $209,362Life insurance assets
  • $4,627All other assets
  • $188,426Total liabilities and capital
  • $184,314Total liabilities
  • $159,447Total deposits
  • $184,314Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,152Trading liabilities
  • $0Other borrowed funds
  • $1,960Subordinated debt
  • $20,936All other liabilities
  • $20,936Total equity capital
  • $20,936Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $20,936Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $837Income earned, not collected on loans
  • $0Earning assets
  • $772Long-term assets (5+ years)
  • $192,157Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $199,499Volatile liabilities
  • $203,601Insider loans
  • $124,510FHLB advances
  • $207,556Loans and leases held for sale
  • $722Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,946Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,742Restructured Loans and leases
  • $432Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,348Total interest income
  • $1,837Total interest expense
  • $6,511Net interest income
  • $160Provision for loan and lease losses
  • $2,049Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,049Additional noninterest income
  • $6,511Total noninterest expense
  • $3,528Salaries and employee benefits
  • $1,448Premises and equipment expense
  • $1,535Additional noninterest expense
  • $1,889Pre-tax net operating income
  • $0Securities gains (losses)
  • $486Applicable income taxes
  • $1,403Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,403Net income attributable to bank
  • $0Net charge-offs
  • $1,403Cash dividends
  • $115Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.54%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 6.98%Return on equity (ROE)
  • 6.98%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 139.13%Credit loss provision to net charge-offs
  • 17.82%Efficiency ratio
  • 75,023Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.74%Loss allowance to noncurrent loans
  • 380.53%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 61.41%Net loans and leases to core deposits
  • 61.41%Equity capital to assets
  • 10.00%Core capital (leverage) ratio
  • 9.61%Tier 1 risk-based capital ratio
  • 16.02%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $199,499Average earning assets
  • $20,107Average equity
  • $183,939Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042310Home Federal Savings And Loan Associ221 South Locust Street, Grand Island, NE 68801June 01, 1935Full Service Brick and Mortar
    44641871607 South Locust Branch1607 South Locust, Grand Island, NE 68801June 22, 2007Full Service Brick and Mortar
    54641883419 West State Branch3419 West State Street, Grand Island, NE 68803June 22, 2007Full Service Brick and Mortar
    64641893311 West Stolley Park Branch3311 West Stolley Park Road, Grand Island, NE 68803June 22, 2007Full Service Brick and Mortar

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