HomeBank Federal Savings Association in Gilford, New Hampshire (NH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 22, 1994

  • HomeBank Federal Savings Association in Gilford, New Hampshire (NH)
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HomeBank Federal Savings Association - Overview

  • General
  • FDIC Certificate #: 33512
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Laconia Savings Bank (#18012)
    Federal Reserve ID: 962872
    Date Established: October 10, 1991
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 9468
    FDIC's unique #: 47284
    Numeric code: 38
    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: October 10, 1991
    Last Structure Change Effective Date: July 22, 1994
    Last Structure Change Process Date: August 09, 1994
    Last Data Update: November 22, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Route 11a, 401 Gilford Avenue, Gilford, NH 3246
    County: Belknap
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Concord
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Laconia, NH (#29060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Pass Through Receivership Merger
    Corrections
    Conservatorship Institution Resolved
  • Financial Summary
  • Total assets: $45.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $65Total assets
  • $54,278Cash and due from depository institutions
  • $26,572Interest-bearing balances
  • $8,802Securities
  • $1,553Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $20,457Loan loss allowance
  • $10,772Trading account assets
  • $0Bank premises and fixed assets
  • $1,795Other real estate owned
  • $575Goodwill and other intangibles
  • $3,326Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $54,278Total liabilities
  • $82,734Total deposits
  • $79,213Interest-bearing deposits
  • $79,213Deposits held in domestic offices
  • 79213.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $3,521Total equity capital
  • $3,521Total bank equity capital
  • $-28,456Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $-28,456Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,790Income earned, not collected on loans
  • $100Earning assets
  • $30,812Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $78,954Average Assets, quarterly
  • $51,158Volatile liabilities
  • $420Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $79Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $-28,456Total risk weighted assets
  • $33,028Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,056Total interest expense
  • $3,331Net interest income
  • $725Provision for loan and lease losses
  • -$1,867Total noninterest income
  • $725Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $725Total noninterest expense
  • $17,800Salaries and employee benefits
  • $1,973Premises and equipment expense
  • $1,668Additional noninterest expense
  • $14,159Pre-tax net operating income
  • -$14,483Securities gains (losses)
  • -$1Applicable income taxes
  • $16Income before extraordinary items
  • -$14,500Extraordinary gains - net
  • $0Net income attributable to bank
  • -$14,500Net charge-offs
  • $980Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.79%Cost of funding earning assets
  • 6.40%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 1.39%Noninterest expense to earning assets
  • 34.18%Net operating income to assets
  • -18.36%Return on assets (ROA)
  • -18.37%Pretax return on assets
  • -18.34%Return on equity (ROE)
  • 55.92%Retained earnings to average equity (YTD only)
  • 55.92%Net charge-offs to loans
  • 1.95%Credit loss provision to net charge-offs
  • -190.51%Efficiency ratio
  • 1,227,586Assets per employee
  • 0.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 34.49%Loss allowance to noncurrent loans
  • 72.83%Noncurrent assets plus other real estate owned to assets
  • 28.31%Noncurrent loans to loans
  • 47.36%Net loans and leases to deposits
  • 25.83%Net loans and leases to core deposits
  • 25.96%Equity capital to assets
  • -52.43%Core capital (leverage) ratio
  • -52.43%Tier 1 risk-based capital ratio
  • -86.16%Total risk-based capital ratio
  • Memoranda
  • -$86Average assets
  • $78,954Average earning assets
  • -$25,930Average equity
  • $52,074Average loans

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