Home Federal Savings Bank of South Carolina in Rock Hill, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 06, 1995

  • Home Federal Savings Bank of South Carolina in Rock Hill, South Carolina (SC)
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Home Federal Savings Bank of South Carolina - Overview

  • General
  • FDIC Certificate #: 27903
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Union National Bank of South Carolina (#18395)
    Federal Reserve ID: 650478
    Date Established: January 01, 1903
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 515
    FDIC's unique #: 40737
    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: Febuary 06, 1935
    Last Structure Change Effective Date: October 06, 1995
    Last Structure Change Process Date: October 24, 1995
    Last Data Update: October 24, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 224 East Main Street, Rock Hill, SC 29730
    County: York
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Columbia Sc
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Charlotte-Gastonia-Rock Hill, NC-SC (#1520)
    Combined Statistical Area (CSA): Charlotte-Gastonia-Salisbury, NC-SC (#172)
    Core Based Statistical Area (CBSA): Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
    CBSA Metro Statistical Area: Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
  • Financial Summary
  • Total assets: $300.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $91Total assets
  • $291,546Cash and due from depository institutions
  • $8,149Interest-bearing balances
  • $1,551Securities
  • $51,786Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $222,517Loan loss allowance
  • $2,468Trading account assets
  • $0Bank premises and fixed assets
  • $1,140Other real estate owned
  • $456Goodwill and other intangibles
  • $7,498Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $291,546Total liabilities
  • $268,632Total deposits
  • $227,253Interest-bearing deposits
  • $214,012Deposits held in domestic offices
  • 227253.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $38,298Subordinated debt
  • $0All other liabilities
  • $3,081Total equity capital
  • $3,081Total bank equity capital
  • $22,914Perpetual preferred stock
  • $0Common stock
  • $21Surplus
  • $8,619Undivided profits
  • Memoranda
  • $14,274Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $552Income earned, not collected on loans
  • $1,385Earning assets
  • $275,854Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $280,719Average Assets, quarterly
  • $289,457Volatile liabilities
  • $76,616Insider loans
  • $1,320FHLB advances
  • $35,400Loans and leases held for sale
  • $0Unused loan commitments
  • $21,935Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $22,914Total risk weighted assets
  • $169,623Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $19,095Total interest expense
  • $9,700Net interest income
  • $9,395Provision for loan and lease losses
  • $101Total noninterest income
  • $2,226Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,226Total noninterest expense
  • $6,068Salaries and employee benefits
  • $2,732Premises and equipment expense
  • $949Additional noninterest expense
  • $2,387Pre-tax net operating income
  • $5,452Securities gains (losses)
  • -$19Applicable income taxes
  • $1,964Income before extraordinary items
  • $3,469Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,469Net charge-offs
  • $20Cash dividends
  • $1,500Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.20%Cost of funding earning assets
  • 3.66%Net interest margin
  • 3.54%Noninterest income to earning assets
  • 0.84%Noninterest expense to earning assets
  • 2.29%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 1.94%Return on equity (ROE)
  • 15.38%Retained earnings to average equity (YTD only)
  • 8.73%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 505.00%Efficiency ratio
  • 52,216Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.24%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 447.10%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 97.92%Net loans and leases to core deposits
  • 117.77%Equity capital to assets
  • 7.86%Core capital (leverage) ratio
  • 7.87%Tier 1 risk-based capital ratio
  • 13.51%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $280,719Average earning assets
  • $22,561Average equity
  • $265,313Average loans

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