Home Banking Company in Selmer, Tennessee (TN), MS
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Home Banking Company in Selmer, Tennessee (TN), MS
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Home Banking Company - Overview

  • General
  • FDIC Certificate #: 9196
    Status: Active
    Federal Reserve ID: 138556
    Bank Holding Company (Regulatory Top Holder): Home Bancshares, Inc. (RSSDID: 2525048, Location: Selmer, TN)
    Date Established: March 15, 1915
    WWW: http://www.homebankingco.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 3, Interstate: No)
    OTS Docket #: 13733
    FDIC's unique #: 5890
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 07, 2008
    Last Structure Change Process Date: July 15, 2008
    Last Data Update: July 15, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 795 Poplar Avenue, Selmer, TN 38375
    County: Mcnairy
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $75.1 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $66.9 mil
    Return on assets (ROA): 0.67% ($0.5 mil)
    Quarterly return on assets: 0.32% ($0.2 mil)
    Return on Equity (ROE): 6.63% ($0.5 mil)
    Quarterly return on equity: 3.13% ($0.2 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.92% ($691.0 mil)
    Quarterly Pretax return on assets: 0.42% ($315.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 22Total employees (full-time equivalent)
  • $75,112Total assets
  • $2,753Cash and due from depository institutions
  • $464Interest-bearing balances
  • $29,054Securities
  • $5,013Federal funds sold & reverse repurchase agreements
  • $31,760Net loans & leases
  • $511Loan loss allowance
  • $0Trading account assets
  • $3,482Bank premises and fixed assets
  • $35Other real estate owned
  • $200Goodwill and other intangibles
  • $75,113Life insurance assets
  • $2,815All other assets
  • $67,726Total liabilities and capital
  • $66,947Total liabilities
  • $51,270Total deposits
  • $66,947Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $779Subordinated debt
  • $7,387All other liabilities
  • $7,387Total equity capital
  • $7,387Total bank equity capital
  • $0Perpetual preferred stock
  • $122Common stock
  • $378Surplus
  • $6,887Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $90Income earned, not collected on loans
  • $0Earning assets
  • $403Long-term assets (5+ years)
  • $66,291Average Assets, year-to-date
  • $26,741Average Assets, quarterly
  • $70,498Volatile liabilities
  • $73,192Insider loans
  • $42,615FHLB advances
  • $72,995Loans and leases held for sale
  • $1,246Unused loan commitments
  • $1,246Tier 1 (core) risk-based capital
  • $7,143Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,439Restructured Loans and leases
  • $1,177Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,244Total interest income
  • $598Total interest expense
  • $2,646Net interest income
  • $98Provision for loan and lease losses
  • $399Total noninterest income
  • $0Fiduciary activities
  • $257Service charges on deposit accounts
  • $0Trading account gains & fees
  • $142Additional noninterest income
  • $2,472Total noninterest expense
  • $1,358Salaries and employee benefits
  • $328Premises and equipment expense
  • $786Additional noninterest expense
  • $475Pre-tax net operating income
  • $177Securities gains (losses)
  • $181Applicable income taxes
  • $471Income before extraordinary items
  • $0Extraordinary gains - net
  • $471Net income attributable to bank
  • $0Net charge-offs
  • $471Cash dividends
  • $86Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.98%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 6.63%Return on equity (ROE)
  • 6.63%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 113.95%Credit loss provision to net charge-offs
  • 6.66%Efficiency ratio
  • 81,182Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 567.78%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 47.44%Net loans and leases to core deposits
  • 49.70%Equity capital to assets
  • 9.83%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 16.76%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $70,498Average earning assets
  • $7,108Average equity
  • $62,156Average loans

List of branches

  • 1 Mississippi Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4530041Corinth Branch1300 South Harper Road, Corinth, MS 38834September 26, 2011Full Service Brick and Mortar
  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05890Home Banking Company795 Poplar Avenue, Selmer, TN 38375March 15, 1915Full Service Brick and Mortar
    1219651Finger BranchMain Street, Finger, TN 38334March 03, 1980Full Service Brick and Mortar
    2420168Savannah Branch860 Wayne Road, Savannah, TN 38372July 15, 2002Full Service Brick and Mortar

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