Home Federal Savings and Loan Association of Niles - Overview
General
FDIC Certificate #: 28349 Status: Active Federal Reserve ID: 71073 Date Established: January 01, 1897 WWW:http://www.homefedniles.com 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 #: 1412 FDIC's unique #: 41183 Numeric code: 37 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: July 12, 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: 55 North Main Street, Niles, OH 44446 County: Trumbull Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Columbus Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Youngstown-Warren, OH (#9320) Combined Statistical Area (CSA): Youngstown-Warren-East Liverpool, OH-PA (#566) Core Based Statistical Area (CBSA): Youngstown-Warren-Boardman, OH-PA (#49660) CBSA Metro Statistical Area: Youngstown-Warren-Boardman, OH-PA (#49660)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $103.5 mil Equity capital: $13.4 mil Deposits held in domestic offices: $60.0 mil Return on assets (ROA): 1.38% ($1.4 mil) Quarterly return on assets: 0.54% ($0.6 mil) Return on Equity (ROE): 11.10% ($1.4 mil) Quarterly return on equity: 4.19% ($0.5 mil) Net income: $1.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 2.10% ($2,174.3 mil) Quarterly Pretax return on assets: 0.82% ($849.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$103,539Total assets
$3,563Cash and due from depository institutions
$2,861Interest-bearing balances
$63,794Securities
$4,497Federal funds sold & reverse repurchase agreements
$28,201Net loans & leases
$476Loan loss allowance
$0Trading account assets
$290Bank premises and fixed assets
$598Other real estate owned
$0Goodwill and other intangibles
$103,539Life insurance assets
$2,596All other assets
$90,178Total liabilities and capital
$59,970Total liabilities
$59,486Total deposits
$59,970Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$30,000Trading liabilities
$0Other borrowed funds
$208Subordinated debt
$13,361All other liabilities
$13,361Total equity capital
$13,361Total bank equity capital
$0Perpetual preferred stock
$18Common stock
$8,433Surplus
$4,910Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,930Income earned, not collected on loans
$0Earning assets
$405Long-term assets (5+ years)
$99,353Average Assets, year-to-date
$0Average Assets, quarterly
$104,108Volatile liabilities
$103,565Insider loans
$35,702FHLB advances
$103,136Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,095Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,251Restructured Loans and leases
$547Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,686Total interest income
$1,376Total interest expense
$2,310Net interest income
-$1,275Provision for loan and lease losses
$245Total noninterest income
$0Fiduciary activities
$4Service charges on deposit accounts
$0Trading account gains & fees
$241Additional noninterest income
$1,818Total noninterest expense
$1,001Salaries and employee benefits
$256Premises and equipment expense
$561Additional noninterest expense
$2,012Pre-tax net operating income
$170Securities gains (losses)
$742Applicable income taxes
$1,440Income before extraordinary items
$0Extraordinary gains - net
$1,440Net income attributable to bank
$0Net charge-offs
$1,440Cash dividends
-$1,210Sale, conversion, retirement of capital stock, net
$750Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.71%Yield on earning assets
1.38%Cost of funding earning assets
2.32%Net interest margin
0.25%Noninterest income to earning assets
1.83%Noninterest expense to earning assets
1.28%Net operating income to assets
1.38%Return on assets (ROA)
2.10%Pretax return on assets
11.10%Return on equity (ROE)
5.32%Retained earnings to average equity (YTD only)
-3.93%Net charge-offs to loans
105.37%Credit loss provision to net charge-offs
0.00%Efficiency ratio
71,155Assets per employee
8.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.08%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
24.66%Noncurrent assets plus other real estate owned to assets
2.44%Noncurrent loans to loans
6.73%Net loans and leases to deposits
47.03%Net loans and leases to core deposits
51.89%Equity capital to assets
12.90%Core capital (leverage) ratio
12.70%Tier 1 risk-based capital ratio
36.68%Total risk-based capital ratio
Memoranda
$38Average assets
$104,108Average earning assets
$12,974Average equity
$99,442Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41183
Home Federal Savings And Loan Associ
55 North Main Street, Niles, OH 44446
January 01, 1897
Full Service Brick and Mortar
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Home Federal Savings and Loan Association of Niles
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