Homeland Federal Savings Bank in Columbia, Louisiana (LA)



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Homeland Federal Savings Bank
GeneralFDIC Certificate #: 32459
Status: Active
Federal Reserve ID: 251978
Date Established: March 12, 1986
WWW: http://www.homelandfsbank.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 8286
FDIC's unique #: 45293
Numeric code: 33
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 18, 1986
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
LocationAddress: 7840 Us Highway 165 South, Columbia, LA 71418
County: Caldwell
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $145.0 mil
Equity capital: $15.1 mil
Deposits held in domestic offices: $124.0 mil
Return on assets (ROA): 1.52% ($2.2 mil)
Quarterly return on assets: 1.60% ($2.3 mil)
Return on Equity (ROE): 15.00% ($2.3 mil)
Quarterly return on equity: 15.36% ($2.3 mil)
Net income: $2.2 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.97% ($2,856.6 mil)
Quarterly Pretax return on assets: 1.60% ($2,320.1 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)
Total employees (full-time equivalent)42
Total assets$145,007
Cash and due from depository institutions$8,723
Interest-bearing balances$5,960
Securities$13,298
Federal funds sold & reverse repurchase agreements$9,000
Net loans & leases$104,420
Loan loss allowance $2,185
Trading account assets$0
Bank premises and fixed assets$4,934
Other real estate owned$618
Goodwill and other intangibles$0
All other assets$4,014
Life insurance assets$145,007
Total liabilities and capital$129,908
Total liabilities$123,954
Total deposits$112,078
Interest-bearing deposits$123,954
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $3,954
All other liabilities $15,099
Total equity capital$15,099
Total bank equity capital$15,099
Perpetual preferred stock$0
Common stock$1,703
Surplus$479
Undivided profits $12,917
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,020
Earning assets $0
Long-term assets (5+ years) $1,124
Average Assets, year-to-date $132,678
Average Assets, quarterly $0
Volatile liabilities $143,758
Insider loans $144,852
FHLB advances $96,561
Loans and leases held for sale $144,903
Unused loan commitments $2,123
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,995
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,065
Derivatives$1,877
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,074
Total interest expense $1,725
Net interest income $7,349
Provision for loan and lease losses $1,096
Total noninterest income $2,014
Fiduciary activities $0
Service charges on deposit accounts $1,479
Trading account gains & fees $0
Additional noninterest income $535
Total noninterest expense $5,441
Salaries and employee benefits $2,488
Premises and equipment expense $1,314
Additional noninterest expense $1,639
Pre-tax net operating income $2,826
Securities gains (losses) $0
Applicable income taxes $643
Income before extraordinary items $2,183
Extraordinary gains - net $0
Net income attributable to bank $2,183
Net charge-offs $0
Cash dividends $2,183
Sale, conversion, retirement of capital stock, net $916
Net operating income $1,052
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.95%
Cost of funding earning assets 1.32%
Net interest margin 5.63%
Noninterest income to earning assets 1.54%
Noninterest expense to earning assets 4.17%
Net operating income to assets 1.52%
Return on assets (ROA) 1.52%
Pretax return on assets 1.97%
Return on equity (ROE) 15.00%
Retained earnings to average equity (YTD only) 7.77%
Net charge-offs to loans 0.86%
Credit loss provision to net charge-offs 119.65%
Efficiency ratio4.28%
Assets per employee$58,112
Cash dividends to net income (YTD only)3.45%
Condition Ratios (%)
Loss allowance to loans 48.19%
Loss allowance to noncurrent loans 2.05%
Noncurrent assets plus other real estate owned to assets 54.35%
Noncurrent loans to loans 3.20%
Net loans and leases to deposits3.77%
Net loans and leases to core deposits 84.24%
Equity capital to assets 96.17%
Core capital (leverage) ratio 10.41%
Tier 1 risk-based capital ratio 10.35%
Total risk-based capital ratio 15.53%
Memoranda
Average assets$17
Average earning assets$143,758
Average equity $14,551
Average loans $130,566
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2 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045293Homeland Federal Savings Bank7840 Us Highway 165 South, Columbia, LA 71418March 12, 1986Full Service Brick and Mortar
1364325Bradford Street Branch3491 South First Street, Jena, LA 71342May 31, 2002Full Service Brick and Mortar
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