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


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

  • General
  • FDIC Certificate #: 30695
    Status: Active
    Federal Reserve ID: 61177
    Date Established: January 28, 1954
    WWW: http://www.home-federal.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 #: 5760
    FDIC's unique #: 43529
    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: January 28, 1954
    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: 201 W 7th Street, Lexington, NE 68850
    County: Dawson
    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): Lexington, NE (#30420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $54.5 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $43.9 mil
    Return on assets (ROA): 0.40% ($0.2 mil)
    Quarterly return on assets: 0.22% ($0.1 mil)
    Return on Equity (ROE): 3.72% ($0.2 mil)
    Quarterly return on equity: 2.00% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.41% ($223.5 mil)
    Quarterly Pretax return on assets: 0.22% ($119.9 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
  • 30Total employees (full-time equivalent)
  • $54,515Total assets
  • $8,477Cash and due from depository institutions
  • $7,910Interest-bearing balances
  • $1,782Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,595Net loans & leases
  • $959Loan loss allowance
  • $0Trading account assets
  • $825Bank premises and fixed assets
  • $90Other real estate owned
  • $50Goodwill and other intangibles
  • $54,515Life insurance assets
  • $1,696All other assets
  • $48,496Total liabilities and capital
  • $43,876Total liabilities
  • $38,773Total deposits
  • $43,876Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,381Trading liabilities
  • $0Other borrowed funds
  • $239Subordinated debt
  • $6,019All other liabilities
  • $6,019Total equity capital
  • $6,019Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,019Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $0Earning assets
  • $562Long-term assets (5+ years)
  • $51,287Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $54,879Volatile liabilities
  • $54,910Insider loans
  • $40,906FHLB advances
  • $54,261Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,765Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,070Restructured Loans and leases
  • $986Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,188Total interest income
  • $614Total interest expense
  • $2,574Net interest income
  • $0Provision for loan and lease losses
  • $496Total noninterest income
  • $0Fiduciary activities
  • $256Service charges on deposit accounts
  • $0Trading account gains & fees
  • $240Additional noninterest income
  • $2,844Total noninterest expense
  • $1,959Salaries and employee benefits
  • $338Premises and equipment expense
  • $547Additional noninterest expense
  • $226Pre-tax net operating income
  • $0Securities gains (losses)
  • $6Applicable income taxes
  • $220Income before extraordinary items
  • $0Extraordinary gains - net
  • $220Net income attributable to bank
  • $0Net charge-offs
  • $220Cash dividends
  • -$154Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.15%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.97%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 5.49%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.72%Return on equity (ROE)
  • 3.72%Retained earnings to average equity (YTD only)
  • -0.36%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 92,443Assets per employee
  • 1.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 15983.33%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 94.80%Net loans and leases to core deposits
  • 94.80%Equity capital to assets
  • 11.04%Core capital (leverage) ratio
  • 10.62%Tier 1 risk-based capital ratio
  • 14.09%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $54,879Average earning assets
  • $5,907Average equity
  • $51,811Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043529Home Federal Savings And Loan Associ201 W 7th Street, Lexington, NE 68850January 28, 1954Full Service Brick and Mortar
    100281714423 Garfield Branch423 Garfield, Holdrege, NE 68949January 28, 1954Full Service Brick and Mortar
    10243852454 Central Avenue Branch454 Central Avenue, Superior, NE 68978January 01, 1889Full Service Brick and Mortar
    10342535715 West 4th Branch715 West 4th, Hastings, NE 68901January 01, 1896Full Service Brick and Mortar

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