Homeland Federal Savings Bank in Columbia, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Homeland Federal Savings Bank in Columbia, Louisiana (LA)
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Homeland Federal Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total 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
  • 42Total employees (full-time equivalent)
  • $145,007Total assets
  • $8,723Cash and due from depository institutions
  • $5,960Interest-bearing balances
  • $13,298Securities
  • $9,000Federal funds sold & reverse repurchase agreements
  • $104,420Net loans & leases
  • $2,185Loan loss allowance
  • $0Trading account assets
  • $4,934Bank premises and fixed assets
  • $618Other real estate owned
  • $0Goodwill and other intangibles
  • $145,007Life insurance assets
  • $4,014All other assets
  • $129,908Total liabilities and capital
  • $123,954Total liabilities
  • $112,078Total deposits
  • $123,954Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $3,954Subordinated debt
  • $15,099All other liabilities
  • $15,099Total equity capital
  • $15,099Total bank equity capital
  • $0Perpetual preferred stock
  • $1,703Common stock
  • $479Surplus
  • $12,917Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,020Income earned, not collected on loans
  • $0Earning assets
  • $1,124Long-term assets (5+ years)
  • $132,678Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $143,758Volatile liabilities
  • $144,852Insider loans
  • $96,561FHLB advances
  • $144,903Loans and leases held for sale
  • $2,123Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,995Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,065Restructured Loans and leases
  • $1,877Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,074Total interest income
  • $1,725Total interest expense
  • $7,349Net interest income
  • $1,096Provision for loan and lease losses
  • $2,014Total noninterest income
  • $0Fiduciary activities
  • $1,479Service charges on deposit accounts
  • $0Trading account gains & fees
  • $535Additional noninterest income
  • $5,441Total noninterest expense
  • $2,488Salaries and employee benefits
  • $1,314Premises and equipment expense
  • $1,639Additional noninterest expense
  • $2,826Pre-tax net operating income
  • $0Securities gains (losses)
  • $643Applicable income taxes
  • $2,183Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,183Net income attributable to bank
  • $0Net charge-offs
  • $2,183Cash dividends
  • $916Sale, conversion, retirement of capital stock, net
  • $1,052Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.95%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 5.63%Net interest margin
  • 1.54%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 1.97%Pretax return on assets
  • 15.00%Return on equity (ROE)
  • 7.77%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 119.65%Credit loss provision to net charge-offs
  • 4.28%Efficiency ratio
  • 58,112Assets per employee
  • 3.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.19%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 54.35%Noncurrent assets plus other real estate owned to assets
  • 3.20%Noncurrent loans to loans
  • 3.77%Net loans and leases to deposits
  • 84.24%Net loans and leases to core deposits
  • 96.17%Equity capital to assets
  • 10.41%Core capital (leverage) ratio
  • 10.35%Tier 1 risk-based capital ratio
  • 15.53%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $143,758Average earning assets
  • $14,551Average equity
  • $130,566Average loans

List of branches

  • 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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