First Home Bank in Seminole, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Home Bank in Seminole, Florida (FL)
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First Home Bank - Overview

  • General
  • FDIC Certificate #: 34997
    Status: Active
    Federal Reserve ID: 2771694
    Bank Holding Company (Regulatory Top Holder): First Home Bancorp, Inc. (RSSDID: 2881650, Location: Seminole, FL)
    Date Established: Febuary 12, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 73819
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 12, 1999
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 9190 Seminole Boulevard, Seminole, FL 33772
    County: Pinellas
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL (#8280)
    Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300)
    CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $72.5 mil
    Equity capital: $4.8 mil
    Deposits held in domestic offices: $63.8 mil
    Return on assets (ROA): -4.66% (-$3.4 mil)
    Quarterly return on assets: -5.38% (-$3.9 mil)
    Return on Equity (ROE): -66.70% (-$3.3 mil)
    Quarterly return on equity: -75.25% (-$3.8 mil)
    Net income: -$3.7 mil
    Quarterly Net income: -$1.0 mil
    Pretax return on assets: -4.66% (-$3,377.7 mil)
    Quarterly Pretax return on assets: -5.38% (-$3,899.6 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
  • 24Total employees (full-time equivalent)
  • $72,483Total assets
  • $9,444Cash and due from depository institutions
  • $8,116Interest-bearing balances
  • $1,009Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $55,213Net loans & leases
  • $1,212Loan loss allowance
  • $0Trading account assets
  • $1,832Bank premises and fixed assets
  • $2,821Other real estate owned
  • $0Goodwill and other intangibles
  • $72,483Life insurance assets
  • $1,164All other assets
  • $67,696Total liabilities and capital
  • $63,794Total liabilities
  • $50,817Total deposits
  • $63,794Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,750Trading liabilities
  • $0Other borrowed funds
  • $152Subordinated debt
  • $4,787All other liabilities
  • $4,787Total equity capital
  • $4,787Total bank equity capital
  • $0Perpetual preferred stock
  • $2,677Common stock
  • $9,611Surplus
  • $-7,501Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,748Income earned, not collected on loans
  • $0Earning assets
  • $210Long-term assets (5+ years)
  • $65,338Average Assets, year-to-date
  • $27,985Average Assets, quarterly
  • $79,365Volatile liabilities
  • $73,945Insider loans
  • $53,520FHLB advances
  • $75,476Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,701Restructured Loans and leases
  • $833Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,554Total interest income
  • $596Total interest expense
  • $2,958Net interest income
  • $2,168Provision for loan and lease losses
  • -$490Total noninterest income
  • $0Fiduciary activities
  • $155Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$645Additional noninterest income
  • $4,002Total noninterest expense
  • $1,859Salaries and employee benefits
  • $448Premises and equipment expense
  • $1,695Additional noninterest expense
  • -$3,702Pre-tax net operating income
  • $2Securities gains (losses)
  • $0Applicable income taxes
  • -$3,700Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,700Net income attributable to bank
  • $0Net charge-offs
  • -$3,700Cash dividends
  • $2,782Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.07%Net interest margin
  • -0.67%Noninterest income to earning assets
  • 5.51%Noninterest expense to earning assets
  • -4.66%Net operating income to assets
  • -4.66%Return on assets (ROA)
  • -4.66%Pretax return on assets
  • -66.70%Return on equity (ROE)
  • -66.70%Retained earnings to average equity (YTD only)
  • 4.39%Net charge-offs to loans
  • 77.93%Credit loss provision to net charge-offs
  • -0.55%Efficiency ratio
  • 162,156Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 69.34%Noncurrent assets plus other real estate owned to assets
  • 6.30%Noncurrent loans to loans
  • 3.10%Net loans and leases to deposits
  • 86.55%Net loans and leases to core deposits
  • 88.76%Equity capital to assets
  • 6.60%Core capital (leverage) ratio
  • 6.34%Tier 1 risk-based capital ratio
  • 8.94%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $79,365Average earning assets
  • $5,548Average equity
  • $72,691Average loans

List of branches

  • 2 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073819First Home Bank9190 Seminole Boulevard, Seminole, FL 33772Febuary 12, 1999Full Service Brick and Mortar
    1444036Pinellas Park Office5250 Park Boulevard, Pinellas Park, FL 33781August 29, 2005Full Service Brick and Mortar

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