Home Federal Savings and Loan Association of Niles in Niles, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Home Federal Savings and Loan Association of Niles in Niles, Ohio (OH)
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Home Federal Savings and Loan Association of Niles - Overview

  • General
  • FDIC Certificate #: 28349
    Status: Active
    Federal Reserve ID: 71073
    Date Established: January 01, 1897
    WWW: http://www.homefedniles.com
    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 #: 1412
    FDIC's unique #: 41183
    Numeric code: 37
    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: July 12, 1935
    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: 55 North Main Street, Niles, OH 44446
    County: Trumbull
    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): Youngstown-Warren, OH (#9320)
    Combined Statistical Area (CSA): Youngstown-Warren-East Liverpool, OH-PA (#566)
    Core Based Statistical Area (CBSA): Youngstown-Warren-Boardman, OH-PA (#49660)
    CBSA Metro Statistical Area: Youngstown-Warren-Boardman, OH-PA (#49660)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $103.5 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $60.0 mil
    Return on assets (ROA): 1.38% ($1.4 mil)
    Quarterly return on assets: 0.54% ($0.6 mil)
    Return on Equity (ROE): 11.10% ($1.4 mil)
    Quarterly return on equity: 4.19% ($0.5 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 2.10% ($2,174.3 mil)
    Quarterly Pretax return on assets: 0.82% ($849.0 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
  • 12Total employees (full-time equivalent)
  • $103,539Total assets
  • $3,563Cash and due from depository institutions
  • $2,861Interest-bearing balances
  • $63,794Securities
  • $4,497Federal funds sold & reverse repurchase agreements
  • $28,201Net loans & leases
  • $476Loan loss allowance
  • $0Trading account assets
  • $290Bank premises and fixed assets
  • $598Other real estate owned
  • $0Goodwill and other intangibles
  • $103,539Life insurance assets
  • $2,596All other assets
  • $90,178Total liabilities and capital
  • $59,970Total liabilities
  • $59,486Total deposits
  • $59,970Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $30,000Trading liabilities
  • $0Other borrowed funds
  • $208Subordinated debt
  • $13,361All other liabilities
  • $13,361Total equity capital
  • $13,361Total bank equity capital
  • $0Perpetual preferred stock
  • $18Common stock
  • $8,433Surplus
  • $4,910Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,930Income earned, not collected on loans
  • $0Earning assets
  • $405Long-term assets (5+ years)
  • $99,353Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $104,108Volatile liabilities
  • $103,565Insider loans
  • $35,702FHLB advances
  • $103,136Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,095Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,251Restructured Loans and leases
  • $547Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,686Total interest income
  • $1,376Total interest expense
  • $2,310Net interest income
  • -$1,275Provision for loan and lease losses
  • $245Total noninterest income
  • $0Fiduciary activities
  • $4Service charges on deposit accounts
  • $0Trading account gains & fees
  • $241Additional noninterest income
  • $1,818Total noninterest expense
  • $1,001Salaries and employee benefits
  • $256Premises and equipment expense
  • $561Additional noninterest expense
  • $2,012Pre-tax net operating income
  • $170Securities gains (losses)
  • $742Applicable income taxes
  • $1,440Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,440Net income attributable to bank
  • $0Net charge-offs
  • $1,440Cash dividends
  • -$1,210Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.71%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 2.32%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 1.83%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 2.10%Pretax return on assets
  • 11.10%Return on equity (ROE)
  • 5.32%Retained earnings to average equity (YTD only)
  • -3.93%Net charge-offs to loans
  • 105.37%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,155Assets per employee
  • 8.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.08%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 24.66%Noncurrent assets plus other real estate owned to assets
  • 2.44%Noncurrent loans to loans
  • 6.73%Net loans and leases to deposits
  • 47.03%Net loans and leases to core deposits
  • 51.89%Equity capital to assets
  • 12.90%Core capital (leverage) ratio
  • 12.70%Tier 1 risk-based capital ratio
  • 36.68%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $104,108Average earning assets
  • $12,974Average equity
  • $99,442Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041183Home Federal Savings And Loan Associ55 North Main Street, Niles, OH 44446January 01, 1897Full Service Brick and Mortar

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