Home Federal Savings and Loan Association in Fayetteville, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 30, 1999

  • Home Federal Savings and Loan Association in Fayetteville, North Carolina (NC)
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Home Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 27926
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First South Bank (#31084)
    Federal Reserve ID: 620976
    Date Established: January 01, 1916
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 554
    FDIC's unique #: 40760
    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: March 12, 1935
    Last Structure Change Effective Date: November 30, 1999
    Last Structure Change Process Date: December 23, 1999
    Last Data Update: December 23, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 241 Green Street, Fayetteville, NC 28302
    County: Cumberland
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Raleigh
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Fayetteville, NC (#2560)
    Core Based Statistical Area (CBSA): Fayetteville, NC (#22180)
    CBSA Metro Statistical Area: Fayetteville, NC (#22180)
  • Financial Summary
  • Total assets: $147.1 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, 1998)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $155,779Total assets
  • $20,914Cash and due from depository institutions
  • $20,417Interest-bearing balances
  • $3,000Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $129,539Net loans & leases
  • $255Loan loss allowance
  • $0Trading account assets
  • $340Bank premises and fixed assets
  • $35Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,951All other assets
  • $155,779Total liabilities and capital
  • $110,560Total liabilities
  • $109,609Total deposits
  • $109,105Interest-bearing deposits
  • $109,609Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $951All other liabilities
  • $45,219Total equity capital
  • $45,219Total bank equity capital
  • $45,219Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $21,545Undivided profits
  • Memoranda
  • $23,674Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $127Earning assets
  • $0Long-term assets (5+ years)
  • $3Average Assets, year-to-date
  • $152,956Average Assets, quarterly
  • $0Volatile liabilities
  • $157,824Insider loans
  • $156,145FHLB advances
  • $13,366Loans and leases held for sale
  • $418Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,750Total unused commitments
  • $0Restructured Loans and leases
  • $77,902Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $11,970Total interest income
  • $5,496Total interest expense
  • $6,474Net interest income
  • $0Provision for loan and lease losses
  • $218Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $218Additional noninterest income
  • $3,212Total noninterest expense
  • $2,444Salaries and employee benefits
  • $252Premises and equipment expense
  • $516Additional noninterest expense
  • $3,480Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,337Applicable income taxes
  • $2,143Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,143Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $2,126Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.72%Yield on earning assets
  • 3.54%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 2.07%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 2.20%Pretax return on assets
  • 4.75%Return on equity (ROE)
  • 0.04%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 47,998Assets per employee
  • 5.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.21%Loss allowance to loans
  • 0.20%Loss allowance to noncurrent loans
  • 200.79%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 118.18%Net loans and leases to core deposits
  • 134.60%Equity capital to assets
  • 29.03%Core capital (leverage) ratio
  • 29.03%Tier 1 risk-based capital ratio
  • 58.05%Total risk-based capital ratio
  • Memoranda
  • $58Average assets
  • $157,824Average earning assets
  • $45,083Average equity
  • $155,134Average loans

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