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Home Federal Savings Bank, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9536% | 6,753 |
| Cost of funding earning assets | 0.4100% | 7,970 |
| Net interest margin | 4.5435% | 1,086 |
| Noninterest income to average assets | 1.3420% | 851 |
| Noninterest expense to average assets | 8.0232% | 157 |
| Loan and lease loss provision to assets | 0.9423% | 2,041 |
| Net operating income to assets | -3.7975% | 7,726 |
| Return on assets (ROA) | -3.7975% | 7,725 |
| Pretax return on assets | -3.7213% | 7,645 |
| Return on Equity (ROE) | -161.9452% | 8,060 |
| Retained earnings to average equity (ytd only) | -161.9452% | 8,060 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.9946% | 300 |
| Assets per employee ($millions) | 1.6243% | 7,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6948% | 889 |
| Loan loss allowance to noncurrent loans | 22.7833% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 10.8973% | 285 |
| Noncurrent loans to loans | 11.8281% | 282 |
| Net loans and leases to total assets | 51.4083% | 6,667 |
| Net loans and leases to deposits | 52.4745% | 7,285 |
| Net loans and leases to core deposits | 55.7875% | 7,550 |
| Total domestic deposits to total assets | 97.9683% | 12 |
| Equity capital to assets | 1.0620% | 8,072 |
| Core capital (leverage) ratio | 0.7523% | 8,076 |
| Tier 1 risk-based capital ratio | 1.5380% | 8,067 |
| Total risk-based capital ratio | 3.0759% | 8,064 |
| Memoranda: | ||
| Average total assets | $14,009,000 | 7,999 |
| Average earning assets | $12,031,500 | 7,992 |
| Average equity | $328,500 | 8,096 |
| Average total loans | $7,265,250 | 7,891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 6,592 |
| Cost of funding earning assets | 0.4656% | 8,053 |
| Net interest margin | 4.5917% | 970 |
| Noninterest income to average assets | 1.6867% | 514 |
| Noninterest expense to average assets | 7.9039% | 167 |
| Loan and lease loss provision to assets | 0.6970% | 2,337 |
| Net operating income to assets | -2.9831% | 7,667 |
| Return on assets (ROA) | -2.9831% | 7,664 |
| Pretax return on assets | -2.9274% | 7,557 |
| Return on Equity (ROE) | -109.1837% | 8,087 |
| Retained earnings to average equity (ytd only) | -109.1837% | 8,086 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.3120% | 436 |
| Assets per employee ($millions) | 1.7398% | 8,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 1,667 |
| Loan loss allowance to noncurrent loans | 61.0619% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 4.9145% | 1,094 |
| Noncurrent loans to loans | 3.1971% | 2,230 |
| Net loans and leases to total assets | 49.7988% | 6,890 |
| Net loans and leases to deposits | 51.2724% | 7,419 |
| Net loans and leases to core deposits | 54.3012% | 7,650 |
| Total domestic deposits to total assets | 97.1260% | 19 |
| Equity capital to assets | 2.0118% | 8,144 |
| Core capital (leverage) ratio | 2.0417% | 8,146 |
| Tier 1 risk-based capital ratio | 4.3319% | 8,120 |
| Total risk-based capital ratio | 5.5258% | 8,121 |
| Memoranda: | ||
| Average total assets | $14,347,330 | 8,080 |
| Average earning assets | $12,457,330 | 8,077 |
| Average equity | $392,000 | 8,188 |
| Average total loans | $7,398,670 | 7,971 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7319% | 7,456 |
| Cost of funding earning assets | 0.5954% | 8,058 |
| Net interest margin | 4.1365% | 2,136 |
| Noninterest income to average assets | 0.2747% | 6,233 |
| Noninterest expense to average assets | 6.8397% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.9392% | 7,835 |
| Return on assets (ROA) | -2.9392% | 7,837 |
| Pretax return on assets | -2.9392% | 7,738 |
| Return on Equity (ROE) | -95.5357% | 8,149 |
| Retained earnings to average equity (ytd only) | -95.5357% | 8,145 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.3521% | 261 |
| Assets per employee ($millions) | 1.7718% | 8,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,923 |
| Loan loss allowance to noncurrent loans | 15.4246% | 7,382 |
| Noncurrent assets plus other real estate owned to assets | 7.3021% | 447 |
| Noncurrent loans to loans | 7.6586% | 488 |
| Net loans and leases to total assets | 52.5258% | 6,629 |
| Net loans and leases to deposits | 54.7024% | 7,239 |
| Net loans and leases to core deposits | 57.9062% | 7,530 |
| Total domestic deposits to total assets | 96.0209% | 15 |
| Equity capital to assets | 2.8503% | 8,204 |
| Core capital (leverage) ratio | 2.3335% | 8,214 |
| Tier 1 risk-based capital ratio | 4.9024% | 8,175 |
| Total risk-based capital ratio | 6.6607% | 8,163 |
| Memoranda: | ||
| Average total assets | $14,562,000 | 8,127 |
| Average earning assets | $12,764,500 | 8,119 |
| Average equity | $448,000 | 8,238 |
| Average total loans | $7,563,500 | 8,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 7,549 |
| Cost of funding earning assets | 1.3747% | 7,770 |
| Net interest margin | 3.9664% | 3,281 |
| Noninterest income to average assets | 0.4208% | 5,292 |
| Noninterest expense to average assets | 6.3460% | 354 |
| Loan and lease loss provision to assets | 0.5402% | 2,664 |
| Net operating income to assets | -2.8887% | 7,800 |
| Return on assets (ROA) | -2.8887% | 7,767 |
| Pretax return on assets | -2.8887% | 7,680 |
| Return on Equity (ROE) | -69.3989% | 8,233 |
| Retained earnings to average equity (ytd only) | -69.3989% | 8,224 |
| Net charge-offs to loans | 0.7523% | 1,648 |
| Credit loss provision to net charge-offs | 163.7931% | 3,148 |
| Earnings coverage of net charge-offs (x) | -7.1207% | 6,869 |
| Efficiency ratio | 158.7482% | 316 |
| Assets per employee ($millions) | 1.2458% | 8,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 4,762 |
| Loan loss allowance to noncurrent loans | 56.3291% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 4.1204% | 980 |
| Noncurrent loans to loans | 2.0809% | 2,661 |
| Net loans and leases to total assets | 50.1940% | 7,015 |
| Net loans and leases to deposits | 52.5822% | 7,507 |
| Net loans and leases to core deposits | 57.0777% | 7,706 |
| Total domestic deposits to total assets | 95.4582% | 10 |
| Equity capital to assets | 3.2910% | 8,273 |
| Core capital (leverage) ratio | 3.0900% | 8,275 |
| Tier 1 risk-based capital ratio | 6.8459% | 8,182 |
| Total risk-based capital ratio | 8.0933% | 8,194 |
| Memoranda: | ||
| Average total assets | $17,585,800 | 8,088 |
| Average earning assets | $15,858,400 | 8,078 |
| Average equity | $732,000 | 8,293 |
| Average total loans | $7,710,000 | 8,045 |