Home Federal Bank, FSB in Johnson City, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 25, 1993

  • Home Federal Bank, FSB in Johnson City, Tennessee (TN)
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Home Federal Bank, FSB - Overview

  • General
  • FDIC Certificate #: 27970
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Tennessee Bank, National Association (#4977)
    Federal Reserve ID: 568171
    Date Established: January 01, 1925
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 647
    FDIC's unique #: 40804
    Numeric code: 33
    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: October 31, 1934
    Last Structure Change Effective Date: June 25, 1993
    Last Structure Change Process Date: July 01, 1993
    Last Data Update: Febuary 23, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 2112 North Roan Street, Johnson City, TN 37601
    County: Washington
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Johnson City-Kingsport-Bristol, TN-VA (#3660)
    Combined Statistical Area (CSA): Johnson City-Kingsport-Bristol (Tri-Cities), TN-VA (#304)
    Core Based Statistical Area (CBSA): Johnson City, TN (#27740)
    CBSA Metro Statistical Area: Johnson City, TN (#27740)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $824.0 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $188Total assets
  • $884,794Cash and due from depository institutions
  • $12,657Interest-bearing balances
  • $3,459Securities
  • $383,119Federal funds sold & reverse repurchase agreements
  • $30,025Net loans & leases
  • $430,859Loan loss allowance
  • $3,458Trading account assets
  • $0Bank premises and fixed assets
  • $8,510Other real estate owned
  • $2,613Goodwill and other intangibles
  • $14,577Life insurance assets
  • $2,434All other assets
  • $0Total liabilities and capital
  • $884,794Total liabilities
  • $798,887Total deposits
  • $760,093Interest-bearing deposits
  • $751,305Deposits held in domestic offices
  • 760093.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,500Subordinated debt
  • $0All other liabilities
  • $36,294Total equity capital
  • $36,294Total bank equity capital
  • $85,907Perpetual preferred stock
  • $0Common stock
  • $45Surplus
  • $49,533Undivided profits
  • Memoranda
  • $36,329Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,514Income earned, not collected on loans
  • $3,367Earning assets
  • $847,462Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $877,577Average Assets, quarterly
  • $884,456Volatile liabilities
  • $53,281Insider loans
  • $0FHLB advances
  • $2,500Loans and leases held for sale
  • $0Unused loan commitments
  • $6,601Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $85,907Total risk weighted assets
  • $334,543Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $66,511Total interest expense
  • $38,009Net interest income
  • $28,502Provision for loan and lease losses
  • $1,959Total noninterest income
  • $2,535Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,535Total noninterest expense
  • $22,490Salaries and employee benefits
  • $10,980Premises and equipment expense
  • $2,544Additional noninterest expense
  • $8,966Pre-tax net operating income
  • $6,588Securities gains (losses)
  • -$186Applicable income taxes
  • $12,523Income before extraordinary items
  • -$6,121Extraordinary gains - net
  • $0Net income attributable to bank
  • -$6,121Net charge-offs
  • $948Cash dividends
  • $6,285Sale, conversion, retirement of capital stock, net
  • $2Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.03%Cost of funding earning assets
  • 4.59%Net interest margin
  • 3.44%Noninterest income to earning assets
  • 0.31%Noninterest expense to earning assets
  • 2.72%Net operating income to assets
  • -0.68%Return on assets (ROA)
  • -0.70%Pretax return on assets
  • 0.73%Return on equity (ROE)
  • -6.30%Retained earnings to average equity (YTD only)
  • -12.76%Net charge-offs to loans
  • 0.20%Credit loss provision to net charge-offs
  • 206.65%Efficiency ratio
  • 71,405Assets per employee
  • 4.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -102.68%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 228.40%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 56.69%Net loans and leases to core deposits
  • 60.74%Equity capital to assets
  • 9.71%Core capital (leverage) ratio
  • 9.74%Tier 1 risk-based capital ratio
  • 25.68%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $877,577Average earning assets
  • $97,221Average equity
  • $827,998Average loans
Debra D Ricker
Mar 27, 2022 @ 4:16 pm
What happened to the Home Federal Savings and Loan employee's pension plan when the merger with First Tennessee Bank took place?

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