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Home Federal Savings Bank

Columbus, IN · Cert 28285

FDIC

Q2 2012

$935.2MAssets
$628.3MLoans
$828.8MDeposits
$97.5MEquity
Loan mix
78%RE $374.6M20%C&I $94.6M2%Consumer $8.7MQ2 2011Q2 2012
Deposit mix
86%Interest-bearing $712.9M14%Noninterest $115.9MQ2 2011Q2 2012

NIM

4.42%Q2 ’104.25%Q2 ’114.01%Q2 ’12+7%+3%

Non-interest income vs. expense

2.56%Q2 ’102.72%Q2 ’112.92%Q2 ’12+16%+2%

Executive Summary

  • Earnings: ROA of -1.11%, down 148 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.07%.
  • Funding: loans stand at 75.81% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

-1.11%-148 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+11 bps YoY

Efficiency Ratio (quarter, annualized)

64.79%+66 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.37%-2.25%0.82%-0.83%-1.11%-148 bps
Return on Equity3.75%-22.01%7.93%-8.04%-10.74%-1,449 bps
Net Interest Margin3.30%3.33%3.47%3.53%3.40%+11 bps
Efficiency Ratio64.13%79.39%63.08%62.63%64.79%+66 bps
Non-Interest Burden1.78%2.43%1.74%1.79%1.82%+4 bps
Growth
Asset Growth (YoY)-2.00%-10.21%-5.64%-7.78%-9.97%-798 bps
Loan Growth (YoY)-2.42%-5.82%-5.50%-7.29%-14.64%-1,222 bps
Deposit Growth (YoY)-2.85%-6.47%0.91%-2.46%-3.58%-73 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.76%7.48%0.54%2.65%4.07%+231 bps
Allowance / Loans1.91%2.07%2.10%2.62%3.19%+128 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 Capital13.46%13.06%13.41%13.41%13.78%+33 bps
Equity / Assets10.11%10.31%10.30%10.29%10.43%+32 bps
Liquidity & Funding
Loans / Deposits85.63%84.17%81.86%80.53%75.81%-982 bps
Liquid Assets / Assets0.02%0.01%0.03%0.09%0.04%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a