Home Federal Bank - Financial Highlights

Home Federal Bank - Est. 1920

Custom Image

email this

Investor Booklet

PDF view

Print view

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	539,364	464,392	16.14	426,464	105.89
Loans Held for Sale, before Reserves	862	2,831	(69.55)	5,064	(331.91)
Loan Loss Reserve	28,735	4,579	527.54	8,266	990.52
Net Loans Receivable	511,491	462,644	10.56	423,262	83.38
Intangible Assets	0	0	0.00	0	0.00
Total Assets	827,899	725,070	14.18	672,743	92.25
Deposits	514,858	372,925	38.06	375,996	147.73
Debt, Senior and Subordinated	84,737	136,972	(38.14)	88,891	(18.69)
Common Equity	209,665	205,187	2.18	198,648	22.18
Total Shareholders' Equity	209,665	205,187	2.18	198,648	22.18
Shares Outstanding (actual)	16,698,168	17,374,161	(3.89)	16,698,168	0.00

Income Statement ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Net Interest Income	6,432	5,903	8.96	5,713	50.34
Provision for Loan Losses	8,000	1,114	618.13	3,450	527.54
Noninterest Income	1,874	2,670	(29.81)	2,560	(107.19)
Noninterest Expense	9,352	5,981	56.36	6,764	153.05
Net Income Before Taxes	(9,046)	1,478	NM	(2,140)	1,290.84
Provision for Taxes	(3,452)	484	NM	(894)	1,144.52
Net Income	9,697	994	875.55	(1,246)	NM

Per Share Items ($)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Book Value per Share	12.56	11.81	6.35	11.90	22.18
Tangible Book Value	12.56	11.81	6.35	11.90	22.18
Diluted EPS Before Extra	(0.36)	0.06	NM	(0.08)	1,400.00
Diluted EPS After Extra	0.63	0.06	950.00	(0.08)	NM
Dividends Declared	0.0550	0.0550	0.00	0.0550	0.00

Performance Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
ROAA	4.94	0.54	440	(0.72)	566
ROAE	19.41	1.94	1,747	(2.48)	2,189
Net Interest Margin	3.53	3.41	12	3.53	0
Loans / Deposits	104.76	124.53	(1,977)	113.42	(866)
Efficiency Ratio	112.59	69.68	4,291	84.26	2,833

Balance Sheet Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	25.32	28.30	(297)	29.53	(420)
Equity/ Assets	25.32	28.30	(297)	29.53	(420)

Asset Quality Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Nonperforming Assets/ Assets	6.87	1.46	541	3.73	314
Loan Loss Reserves/ Gross Loans	5.32	0.98	434	1.92	340
Loan Loss Reserves/ NPAs	NA	40.14	NA	31.58	NA
Net Charge-offs/ Avg Loans	3.54	0.28	326	2.24	130

Regulatory Capital Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tier 1 Capital Ratio	NA	32.18	NA	32.30	NA

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Copyright 2009, © SNL Financial LC Terms of Use