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Home Federal Bank

Nampa, ID · Cert 28258

FDIC

Q1 2014

$940.3MAssets
$401.4MLoans
$807.7MDeposits
$122.8MEquity
Loan mix
89%RE $271.9M10%C&I $30.4M1%Consumer $3.8MQ1 2013Q1 2014
Deposit mix
79%Interest-bearing $636.9M21%Noninterest $170.8MQ1 2013Q1 2014

NIM

4.97%Q1 ’124.21%Q1 ’134.19%Q1 ’14-15%+1%

Non-interest income vs. expense

3.96%Q1 ’123.84%Q1 ’133.76%Q1 ’14-18%+2%

Executive Summary

  • Earnings: ROA of 0.19%, unchanged from a year ago; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.51%.
  • Funding: loans stand at 49.69% of deposits as of Q1 2014.

Financial Results

Return on Assets (quarter, annualized)

0.19%0 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+5 bps YoY

Efficiency Ratio (quarter, annualized)

97.25%+117 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.19%0.25%0.44%0.49%0.19%0 bps
Return on Equity1.25%1.70%2.94%3.30%1.35%+10 bps
Net Interest Margin3.89%4.19%3.94%4.66%3.94%+5 bps
Efficiency Ratio96.08%94.73%93.93%89.31%97.25%+117 bps
Non-Interest Burden3.79%4.03%3.73%4.23%3.88%+9 bps
Growth
Asset Growth (YoY)-4.34%-5.40%-3.42%-3.91%-9.69%-536 bps
Loan Growth (YoY)-9.04%-9.82%-4.71%-1.39%-1.82%+722 bps
Deposit Growth (YoY)-5.43%-5.06%-2.55%-3.40%-7.12%-169 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.27%1.12%-0.44%0.58%-0.51%-24 bps
Allowance / Loans3.08%2.78%2.57%2.17%2.01%-106 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital34.29%33.91%33.45%33.63%27.71%-657 bps
Equity / Assets15.01%14.89%14.77%14.97%13.06%-195 bps
Liquidity & Funding
Loans / Deposits47.01%47.62%48.59%50.09%49.69%+268 bps
Liquid Assets / Assets10.10%5.92%8.35%8.86%7.30%-280 bps
CRE / Total Capitaln/an/an/an/an/an/an/a