Home Savings Bank in Eden, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 2005

  • Home Savings Bank in Eden, North Carolina (NC)
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Home Savings Bank - Overview

  • General
  • FDIC Certificate #: 28010
    Status: Inactive
    Closing history: Change in Primary Regulatory Agency
    Acquiring institution: HomeTrust Bank (#27677)
    Federal Reserve ID: 728779
    Date Established: January 01, 1909
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 17994
    FDIC's unique #: 40844
    Numeric code: 34
    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: November 06, 1937
    Last Structure Change Effective Date: March 31, 2005
    Last Structure Change Process Date: April 01, 2005
    Last Data Update: April 01, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 106 South Van Buren Road, Eden, NC 27288
    County: Rockingham
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Charlotte
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Greensboro-Winston-Salem-High Point, NC (#268)
    Core Based Statistical Area (CBSA): Greensboro-High Point, NC (#24660)
    CBSA Metro Statistical Area: Greensboro-High Point, NC (#24660)
  • History of Changes
  • Merger - Without Assistance
    Change in OTS Docket Number
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $106.9 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, 2004)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $106,853Total assets
  • $3,899Cash and due from depository institutions
  • $3,153Interest-bearing balances
  • $44,508Securities
  • $3,322Federal funds sold & reverse repurchase agreements
  • $51,402Net loans & leases
  • $329Loan loss allowance
  • $0Trading account assets
  • $437Bank premises and fixed assets
  • $143Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,142All other assets
  • $106,853Total liabilities and capital
  • $89,240Total liabilities
  • $87,815Total deposits
  • $84,788Interest-bearing deposits
  • $87,815Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,425All other liabilities
  • $17,613Total equity capital
  • $17,613Total bank equity capital
  • $17,613Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $17,613Noncurrent loans and leases
  • $4,396Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $822Earning assets
  • $0Long-term assets (5+ years)
  • $566Average Assets, year-to-date
  • $102,385Average Assets, quarterly
  • $50,897Volatile liabilities
  • $108,477Insider loans
  • $107,218FHLB advances
  • $24,044Loans and leases held for sale
  • $273Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,396Total unused commitments
  • $0Restructured Loans and leases
  • $329Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $5,167Total interest income
  • $2,505Total interest expense
  • $2,662Net interest income
  • $60Provision for loan and lease losses
  • $272Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $186Additional noninterest income
  • $1,953Total noninterest expense
  • $911Salaries and employee benefits
  • $129Premises and equipment expense
  • $913Additional noninterest expense
  • $921Pre-tax net operating income
  • $0Securities gains (losses)
  • $325Applicable income taxes
  • $596Income before extraordinary items
  • $0Extraordinary gains - net
  • $596Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $45Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 2.41%Cost of funding earning assets
  • 2.56%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 1.88%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 3.42%Return on equity (ROE)
  • 3.42%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 133.33%Credit loss provision to net charge-offs
  • 21.80%Efficiency ratio
  • 66,564Assets per employee
  • 5.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.64%Loss allowance to noncurrent loans
  • 40.02%Noncurrent assets plus other real estate owned to assets
  • 0.90%Noncurrent loans to loans
  • 1.59%Net loans and leases to deposits
  • 58.53%Net loans and leases to core deposits
  • 80.60%Equity capital to assets
  • 16.48%Core capital (leverage) ratio
  • 16.42%Tier 1 risk-based capital ratio
  • 37.74%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $108,477Average earning assets
  • $17,415Average equity
  • $103,837Average loans

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