Home Federal Savings and Loan Association in Bamberg, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Home Federal Savings and Loan Association in Bamberg, South Carolina (SC)
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Home Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 31774
    Status: Active
    Federal Reserve ID: 582878
    Date Established: January 01, 1920
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 7450
    FDIC's unique #: 44608
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 16, 1976
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2990 Main Highway, Bamberg, SC 29003
    County: Bamberg
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $38.5 mil
    Equity capital: $3.8 mil
    Deposits held in domestic offices: $34.4 mil
    Return on assets (ROA): 0.40% ($0.2 mil)
    Quarterly return on assets: -0.33% (-$0.1 mil)
    Return on Equity (ROE): 3.99% ($0.2 mil)
    Quarterly return on equity: -3.38% (-$0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.76% ($292.6 mil)
    Quarterly Pretax return on assets: -0.10% (-$38.5 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
  • 5Total employees (full-time equivalent)
  • $38,500Total assets
  • $957Cash and due from depository institutions
  • $303Interest-bearing balances
  • $600Securities
  • $1,315Federal funds sold & reverse repurchase agreements
  • $34,299Net loans & leases
  • $84Loan loss allowance
  • $0Trading account assets
  • $360Bank premises and fixed assets
  • $346Other real estate owned
  • $7Goodwill and other intangibles
  • $38,500Life insurance assets
  • $616All other assets
  • $34,724Total liabilities and capital
  • $34,393Total liabilities
  • $34,393Total deposits
  • $34,393Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $331Subordinated debt
  • $3,776All other liabilities
  • $3,776Total equity capital
  • $3,776Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $3,776Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $584Income earned, not collected on loans
  • $0Earning assets
  • $146Long-term assets (5+ years)
  • $36,517Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $37,313Volatile liabilities
  • $38,295Insider loans
  • $22,805FHLB advances
  • $38,500Loans and leases held for sale
  • $297Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,776Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,676Restructured Loans and leases
  • $214Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,092Total interest income
  • $634Total interest expense
  • $1,458Net interest income
  • $43Provision for loan and lease losses
  • -$78Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$78Additional noninterest income
  • $1,053Total noninterest expense
  • $768Salaries and employee benefits
  • $113Premises and equipment expense
  • $172Additional noninterest expense
  • $284Pre-tax net operating income
  • $0Securities gains (losses)
  • $135Applicable income taxes
  • $149Income before extraordinary items
  • $0Extraordinary gains - net
  • $149Net income attributable to bank
  • $0Net charge-offs
  • $149Cash dividends
  • $42Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.89%Yield on earning assets
  • 1.79%Cost of funding earning assets
  • 4.11%Net interest margin
  • -0.22%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 3.99%Return on equity (ROE)
  • 3.99%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 102.38%Credit loss provision to net charge-offs
  • 7.79%Efficiency ratio
  • 76,014Assets per employee
  • 7.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.24%Loss allowance to noncurrent loans
  • 14.38%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 99.73%Net loans and leases to core deposits
  • 106.93%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 16.56%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $37,313Average earning assets
  • $3,730Average equity
  • $35,496Average loans

List of branches

  • 1 South Carolina Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044608Home Federal Savings And Loan Associ2990 Main Highway, Bamberg, SC 29003January 01, 1920Full Service Brick and Mortar

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