1ST Home Federal Savings and Loan Association of the Carolinas FA in Greensboro, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 1993

  • 1ST Home Federal Savings and Loan Association of the Carolinas FA in Greensboro, North Carolina (NC)
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1ST Home Federal Savings and Loan Association of the Carolinas FA - Overview

  • General
  • FDIC Certificate #: 28284
    Status: Inactive
    Federal Reserve ID: 950570
    Date Established: January 01, 1914
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1295
    FDIC's unique #: 41118
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: June 29, 1940
    Last Structure Change Effective Date: June 01, 1993
    Last Structure Change Process Date: August 12, 1993
    Last Data Update: August 12, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 444 North Elm Street, Greensboro, NC 27401
    County: Guilford
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Charlotte
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Greensboro--Winston-Salem--High Point, NC (#3120)
    Combined Statistical Area (CSA): Greensboro-Winston-Salem-High Point, NC (#268)
    Core Based Statistical Area (CBSA): Greensboro-High Point, NC (#24660)
    CBSA Metro Statistical Area: Greensboro-High Point, NC (#24660)
  • History of Changes
  • Other Liquidations and Closings
    Office Sold
    Corrections
  • Financial Summary
  • Total assets: $657.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $274Total assets
  • $678,037Cash and due from depository institutions
  • $70,438Interest-bearing balances
  • $52,270Securities
  • $120,618Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $420,717Loan loss allowance
  • $8,870Trading account assets
  • $0Bank premises and fixed assets
  • $10,535Other real estate owned
  • $17,575Goodwill and other intangibles
  • $17,733Life insurance assets
  • $20,421All other assets
  • $0Total liabilities and capital
  • $678,037Total liabilities
  • $654,339Total deposits
  • $614,249Interest-bearing deposits
  • $602,857Deposits held in domestic offices
  • 614249.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $36,359Subordinated debt
  • $0All other liabilities
  • $3,731Total equity capital
  • $3,731Total bank equity capital
  • $23,698Perpetual preferred stock
  • $0Common stock
  • $3,241Surplus
  • $27,107Undivided profits
  • Memoranda
  • $-6,650Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,349Income earned, not collected on loans
  • $3,143Earning assets
  • $593,605Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $760,210Average Assets, quarterly
  • $694,150Volatile liabilities
  • $55,587Insider loans
  • $0FHLB advances
  • $9,999Loans and leases held for sale
  • $0Unused loan commitments
  • $54,454Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,025Total risk weighted assets
  • $430,444Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $56,933Total interest expense
  • $39,763Net interest income
  • $17,170Provision for loan and lease losses
  • -$171Total noninterest income
  • $4,825Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $4,825Total noninterest expense
  • $21,666Salaries and employee benefits
  • $7,369Premises and equipment expense
  • $5,794Additional noninterest expense
  • $8,503Pre-tax net operating income
  • $500Securities gains (losses)
  • $3,198Applicable income taxes
  • $21Income before extraordinary items
  • $3,677Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,677Net charge-offs
  • $464Cash 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
  • 8.65%Cost of funding earning assets
  • 6.04%Net interest margin
  • 2.61%Noninterest income to earning assets
  • 0.73%Noninterest expense to earning assets
  • 3.29%Net operating income to assets
  • 0.07%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 0.49%Return on equity (ROE)
  • 16.98%Retained earnings to average equity (YTD only)
  • 16.98%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • -36.85%Efficiency ratio
  • 92,007Assets per employee
  • 2.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 165.83%Noncurrent assets plus other real estate owned to assets
  • 3.38%Noncurrent loans to loans
  • 1.25%Net loans and leases to deposits
  • 68.49%Net loans and leases to core deposits
  • 70.71%Equity capital to assets
  • 3.50%Core capital (leverage) ratio
  • 1.97%Tier 1 risk-based capital ratio
  • 3.03%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $760,210Average earning assets
  • $21,649Average equity
  • $658,300Average loans

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