Home Federal Bank in Nampa, Idaho (ID), OR



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Home Federal Bank
GeneralFDIC Certificate #: 28258
Status: Active
Federal Reserve ID: 1014077
Bank Holding Company (Regulatory Top Holder): Home Federal Bancorp, Inc. (RSSDID: 3843057, Location: Nampa, ID)
Date Established: January 01, 1920
WWW: http://www.myhomefed.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 29 (Domestic: 29, Interstate: Yes)
OTS Docket #: 1245
FDIC's unique #: 41092
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: September 25, 1936
Last Structure Change Effective Date: May 31, 2011
Last Structure Change Process Date: June 16, 2011
Last Data Update: June 16, 2011
Data Source Date: April 05, 2012
LocationAddress: 500 12th Avenue South, Nampa, ID 83651
County: Canyon
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Salt Lake City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Boise City, ID (#1080)
Core Based Statistical Area (CBSA): Boise City-Nampa, ID (#14260)
CBSA Metro Statistical Area: Boise City-Nampa, ID (#14260)
History of ChangesChange in Primary Regulatory Agency
Change in Entity Type
Change in Supervisory Agency
Change in Chartering Agent
Financial SummaryTotal assets: $1,098.5 mil
Equity capital: $151.5 mil
Deposits held in domestic offices: $928.9 mil
Return on assets (ROA): -0.16% (-$1.8 mil)
Quarterly return on assets: 0.50% ($5.5 mil)
Return on Equity (ROE): -1.34% (-$2.0 mil)
Quarterly return on equity: 3.73% ($5.7 mil)
Net income: -$2.0 mil
Quarterly Net income: $1.4 mil
Pretax return on assets: -0.28% (-$3,075.9 mil)
Quarterly Pretax return on assets: 0.79% ($8,678.5 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)
Total employees (full-time equivalent)346
Total assets$1,098,540
Cash and due from depository institutions$143,108
Interest-bearing balances$121,778
Securities$384,719
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$449,785
Loan loss allowance $14,171
Trading account assets$0
Bank premises and fixed assets$28,296
Other real estate owned$19,780
Goodwill and other intangibles$3,086
All other assets$69,766
Life insurance assets$1,098,540
Total liabilities and capital$947,007
Total liabilities$928,857
Total deposits$778,904
Interest-bearing deposits$928,857
Deposits held in domestic offices$88
% insured (estimated)4913.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $13,237
All other liabilities $151,533
Total equity capital$151,533
Total bank equity capital$151,533
Perpetual preferred stock$0
Common stock$1
Surplus$86,154
Undivided profits $65,378
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $40,116
Earning assets $0
Long-term assets (5+ years) $2,804
Average Assets, year-to-date $956,282
Average Assets, quarterly $318,656
Volatile liabilities $1,237,305
Insider loans $1,128,607
FHLB advances $419,306
Loans and leases held for sale $1,091,578
Unused loan commitments $15,450
Tier 1 (core) risk-based capital $15,450
Tier 2 risk-based capital $135,838
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $81,894
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $55,498
Total interest expense $7,371
Net interest income $48,127
Provision for loan and lease losses $7,922
Total noninterest income $6,255
Fiduciary activities $0
Service charges on deposit accounts $3,717
Trading account gains & fees $0
Additional noninterest income $2,538
Total noninterest expense $51,139
Salaries and employee benefits $26,234
Premises and equipment expense $7,583
Additional noninterest expense $17,322
Pre-tax net operating income -$4,679
Securities gains (losses) $1,175
Applicable income taxes -$1,507
Income before extraordinary items -$1,997
Extraordinary gains - net $0
Net income attributable to bank -$1,997
Net charge-offs $0
Cash dividends -$1,997
Sale, conversion, retirement of capital stock, net $9,160
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.19%
Cost of funding earning assets 0.69%
Net interest margin 4.50%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 4.78%
Net operating income to assets -0.22%
Return on assets (ROA) -0.16%
Pretax return on assets -0.28%
Return on equity (ROE) -1.34%
Retained earnings to average equity (YTD only) -1.34%
Net charge-offs to loans 1.77%
Credit loss provision to net charge-offs 86.48%
Efficiency ratio0.35%
Assets per employee$92,770
Cash dividends to net income (YTD only)3.17%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.05%
Noncurrent assets plus other real estate owned to assets 35.33%
Noncurrent loans to loans 5.45%
Net loans and leases to deposits8.65%
Net loans and leases to core deposits 48.42%
Equity capital to assets 49.53%
Core capital (leverage) ratio 13.79%
Tier 1 risk-based capital ratio 12.44%
Total risk-based capital ratio 32.40%
Memoranda
Average assets$34
Average earning assets$1,237,305
Average equity $149,467
Average loans $1,069,276
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11 Idaho Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
041092Home Federal Bank500 12th Avenue South, Nampa, ID 83651January 01, 1920Full Service Brick and Mortar
1266299State Street Branch800 W. State St., Boise, ID 83702January 01, 1920Full Service Brick and Mortar
100266302400 No 3rd East Branch400 N. 3rd East, Mountain Home, ID 83647January 01, 1920Full Service Brick and Mortar
102266304250 South Washington Branch250 South Washington, Emmett, ID 83617January 01, 1920Full Service Brick and Mortar
115464131871 Parkcenter Blvd Branch871 Parkcenter Blvd., Boise, ID 83706June 20, 2007Full Service Brick and Mortar
116464132100 East Riverside Branch100 East Riverside Drive, Eagle, ID 83616June 20, 2007Full Service Brick and Mortar
11846413455 East Franklin Road Branch55 East Franklin Road, Meridian, ID 83642June 20, 2007Full Service Brick and Mortar
119464135923 Dearborn Branch923 Dearborn Street, Caldwell, ID 83605June 20, 2007Full Service Brick and Mortar
120491886Karcher Branch1820 Caldwell Blvd, Nampa, ID 83651March 03, 2008Full Service Brick and Mortar
148518115N Eagle Rd Branch3630 N Eagle Rd, Boise, ID 83713October 19, 2009Full Service Brick and Mortar
149518116E Overland Rd Branch3405 E Overland Rd, Meridian, ID 83642October 15, 2009Full Service Brick and Mortar
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17 Oregon Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
12116305Community First Pineville Branch555 Nw 3rd St, Prineville, OR 97754December 05, 1980Full Service Brick and Mortar
123256103Bend Branch671 Northeast Greenwood, Bend, OR 97701November 25, 1991Full Service Brick and Mortar
125357793Madras Branch1150 Sw Hwy 97, Madras, OR 97741September 20, 1999Full Service Brick and Mortar
126466386Redmond Branch821 Sw 6th St., Redmond, OR 97756July 10, 2006Full Service Brick and Mortar
13244798Libertybank Branch899 Pearl Street, Eugene, OR 97401January 01, 1978Full Service Brick and Mortar
133286355805 Nw Bond Branch805 Nw Bond St, Bend, OR 97701January 01, 1978Full Service Brick and Mortar
1342863561000 Biddle Rd Branch1000 Biddle Rd, Medford, OR 97504June 30, 1985Full Service Brick and Mortar
135286357660 S E 7th St Branch660 S E 7th St, Grants Pass, OR 97526June 30, 1985Full Service Brick and Mortar
136286359East Barnett Branch295 East Barnett Road, Medford, OR 97501July 15, 1996Full Service Brick and Mortar
137286361Springfield Harlow Branch1008 Harlow Road, Springfield, OR 97477May 14, 1997Full Service Brick and Mortar
138419796200 Sw Century Drive Branch200 Sw Century Drive, Bend, OR 97702July 01, 2002Full Service Brick and Mortar
139419797590 Union Avenue Branch590 Union Avenue, Grants Pass, OR 97527July 01, 2002Full Service Brick and Mortar
1404197983540 W. 11th Avenue Branch3540 W. 11th Avenue, Eugene, OR 97402October 01, 2002Full Service Brick and Mortar
141425695Bend North Branch20365 Empire Avenue, Bend, OR 97701Febuary 02, 2004Full Service Brick and Mortar
142432826Eugene/Santa Clara25 Division Avenue, Eugene, OR 97404October 25, 2004Full Service Brick and Mortar
143433276Eugene/Coburg Office1585 Coburg Road, Eugene, OR 97401November 29, 2004Full Service Brick and Mortar
147492759Bend South Branch61379 S Hwy 97, Bend, OR 97702July 01, 2008Full Service Brick and Mortar
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