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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