Home Federal Bank, a Federal Savings Bank - Overview
General
FDIC Certificate #: 28308 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Financial Bank, National Association (#6600) Federal Reserve ID: 245379 Date Established: January 01, 1873 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1341 FDIC's unique #: 41142 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: January 23, 1935 Last Structure Change Effective Date: July 21, 2000 Last Structure Change Process Date: July 27, 2000 Last Data Update: July 27, 2000 Data Source Date: April 05, 2012
Location
Address: 100 South Third Street, Hamilton, OH 45011 County: Butler 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): Hamilton-Middletown, OH (#3200) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
Financial Summary
Total assets: $329.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
127Total employees (full-time equivalent)
$332,173Total assets
$8,591Cash and due from depository institutions
$0Interest-bearing balances
$11,998Securities
$5,800Federal funds sold & reverse repurchase agreements
$295,160Net loans & leases
$3,422Loan loss allowance
$0Trading account assets
$2,214Bank premises and fixed assets
$19Other real estate owned
$530Goodwill and other intangibles
$0Life insurance assets
$7,861All other assets
$332,173Total liabilities and capital
$308,228Total liabilities
$257,582Total deposits
$249,294Interest-bearing deposits
$257,582Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$49,000Other borrowed funds
$0Subordinated debt
$1,646All other liabilities
$23,945Total equity capital
$23,945Total bank equity capital
$23,945Perpetual preferred stock
$0Common stock
$320Surplus
$13,413Undivided profits
Memoranda
$10,212Noncurrent loans and leases
$53,233Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,423Earning assets
$0Long-term assets (5+ years)
$1,758Average Assets, year-to-date
$312,958Average Assets, quarterly
$0Volatile liabilities
$317,482Insider loans
$330,420FHLB advances
$69,373Loans and leases held for sale
$2,947Unused loan commitments
$49,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$53,233Total unused commitments
$106Restructured Loans and leases
$3,002Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$24,550Total interest income
$11,870Total interest expense
$12,680Net interest income
$304Provision for loan and lease losses
$1,574Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,574Additional noninterest income
$8,263Total noninterest expense
$4,618Salaries and employee benefits
$1,473Premises and equipment expense
$2,172Additional noninterest expense
$5,687Pre-tax net operating income
$1,374Securities gains (losses)
$2,472Applicable income taxes
$4,589Income before extraordinary items
$0Extraordinary gains - net
$4,589Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$129Sale, conversion, retirement of capital stock, net
$2,408Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.16%Yield on earning assets
3.95%Cost of funding earning assets
4.22%Net interest margin
0.52%Noninterest income to earning assets
2.75%Noninterest expense to earning assets
1.16%Net operating income to assets
1.45%Return on assets (ROA)
2.22%Pretax return on assets
19.91%Return on equity (ROE)
9.46%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
235.66%Credit loss provision to net charge-offs
46.44%Efficiency ratio
57,829Assets per employee
2.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.47%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
141.23%Noncurrent assets plus other real estate owned to assets
0.74%Noncurrent loans to loans
0.81%Net loans and leases to deposits
114.59%Net loans and leases to core deposits
124.43%Equity capital to assets
7.21%Core capital (leverage) ratio
7.24%Tier 1 risk-based capital ratio
10.03%Total risk-based capital ratio
Memoranda
$11Average assets
$317,482Average earning assets
$23,044Average equity
$300,820Average loans
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