Home Federal Bank of Tennessee in Knoxville, Tennessee (TN)

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Home Federal Bank of Tennessee
GeneralFDIC Certificate #: 29683
Status: Active
Federal Reserve ID: 105473
Date Established: June 15, 1936
WWW: http://www.homefederalbanktn.com
Trust Powers Granted: Yes
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 23 (Domestic: 23, Interstate: No)
OTS Docket #: 3879
FDIC's unique #: 42517
Numeric code: 34
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization > 1 Billion
Date of Deposit Insurance: June 15, 1936
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 515 Market Street, Knoxville, TN 37901
County: Knox
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Knoxville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Knoxville, TN (#3840)
Combined Statistical Area (CSA): Knoxville-Sevierville-La Follette, TN (#314)
Core Based Statistical Area (CBSA): Knoxville, TN (#28940)
CBSA Metro Statistical Area: Knoxville, TN (#28940)
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $2,047.7 mil
Equity capital: $317.2 mil
Deposits held in domestic offices: $1,646.0 mil
Return on assets (ROA): 0.53% ($10.9 mil)
Quarterly return on assets: 0.53% ($10.9 mil)
Return on Equity (ROE): 3.46% ($11.0 mil)
Quarterly return on equity: 3.45% ($10.9 mil)
Net income: $10.8 mil
Quarterly Net income: $2.7 mil
Pretax return on assets: 0.87% ($17,814.9 mil)
Quarterly Pretax return on assets: 0.85% ($17,405.4 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)
Total employees (full-time equivalent)427
Total assets$2,047,692
Cash and due from depository institutions$92,609
Interest-bearing balances$64,330
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$853,095
Loan loss allowance $6,818
Trading account assets$0
Bank premises and fixed assets$35,784
Other real estate owned$2,791
Goodwill and other intangibles$0
All other assets$27,055
Life insurance assets$2,047,692
Total liabilities and capital$1,730,513
Total liabilities$1,645,960
Total deposits$1,515,108
Interest-bearing deposits$1,645,960
Deposits held in domestic offices$88
% insured (estimated)57424.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,305
Other borrowed funds $0
Subordinated debt $15,824
All other liabilities $317,179
Total equity capital$317,179
Total bank equity capital$317,179
Perpetual preferred stock$0
Common stock$0
Undivided profits $317,179
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $20,510
Earning assets $0
Long-term assets (5+ years) $8,280
Average Assets, year-to-date $1,953,783
Average Assets, quarterly $0
Volatile liabilities $2,023,074
Insider loans $2,047,340
FHLB advances $1,117,102
Loans and leases held for sale $2,047,692
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $317,935
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $198,628
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $71,234
Total interest expense $15,747
Net interest income $55,487
Provision for loan and lease losses $3,200
Total noninterest income $9,938
Fiduciary activities $0
Service charges on deposit accounts $1,248
Trading account gains & fees $0
Additional noninterest income $8,690
Total noninterest expense $44,530
Salaries and employee benefits $26,702
Premises and equipment expense $7,116
Additional noninterest expense $10,712
Pre-tax net operating income $17,695
Securities gains (losses) $0
Applicable income taxes $6,881
Income before extraordinary items $10,814
Extraordinary gains - net $0
Net income attributable to bank $10,814
Net charge-offs $0
Cash dividends $10,814
Sale, conversion, retirement of capital stock, net $2,550
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.69%
Cost of funding earning assets 0.82%
Net interest margin 2.87%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 2.31%
Net operating income to assets 0.53%
Return on assets (ROA) 0.53%
Pretax return on assets 0.87%
Return on equity (ROE) 3.46%
Retained earnings to average equity (YTD only) 3.46%
Net charge-offs to loans 0.30%
Credit loss provision to net charge-offs 125.49%
Efficiency ratio8.19%
Assets per employee$68,063
Cash dividends to net income (YTD only)4.80%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.79%
Noncurrent assets plus other real estate owned to assets 33.24%
Noncurrent loans to loans 1.14%
Net loans and leases to deposits2.39%
Net loans and leases to core deposits 51.83%
Equity capital to assets 56.43%
Core capital (leverage) ratio 15.49%
Tier 1 risk-based capital ratio 15.53%
Total risk-based capital ratio 28.46%
Average assets$29
Average earning assets$2,023,074
Average equity $312,509
Average loans $1,930,174
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$575,198
Number of Accounts1
Personal trust and agency accounts$533,838
Employee benefit-defined contribution accounts$151,807
Employee benefit-defined benefit accounts$72,695
Other retirement accounts$39,448
Corporate trust and agency accounts$82,384
Investment management agency accounts$3,907
Other fiduciary accounts$176,534
Fiduciary accounts held in foreign offices$7,063
Non-managed Assets$0
Number of Accounts1072
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$70,906
Employee benefit-defined benefit accounts$0
Other retirement accounts$41,360
Corporate trust and agency accounts$1,304
Other fiduciary accounts$6,162
Fiduciary accounts held in foreign offices$8,287
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23 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
042517Home Federal Bank Of Tennessee515 Market Street, Knoxville, TN 37901June 15, 1936Full Service Brick and Mortar
1276756Bearden Branch5538 Kingston Pike, Knoxville, TN 37919June 15, 1936Full Service Brick and Mortar
2276757North Knoxville Branch3101 N. Broadway, Knoxville, TN 37917June 15, 1936Full Service Brick and Mortar
3276758Magnolia Branch3001 East Magnolia Avenue, Knoxville, TN 37914June 15, 1936Full Service Brick and Mortar
4276759South Knoxville Branch4444 Chapman Highway, Knoxville, TN 37920June 15, 1936Full Service Brick and Mortar
5276760Concord Branch10396 Kingston Pike, Knoxville, TN 37922June 15, 1936Full Service Brick and Mortar
6276761Merchants Branch501 Merchants Drive, Knoxville, TN 37912June 15, 1936Full Service Brick and Mortar
100276762Halls Branch6948 Maynardville Highway, Knoxville, TN 37918June 15, 1936Full Service Brick and Mortar
101276763Karns Branch7204 Oak Ridge Highway, Knoxville, TN 37931June 15, 1936Full Service Brick and Mortar
102276764Downtown West Branch1700 Downtown West Blvd, Knoxville, TN 37919June 15, 1936Full Service Brick and Mortar
10344220Sevierville Branch307 Parkway, Sevierville, TN 37862January 01, 1962Full Service Brick and Mortar
104276765Gatlinburg Branch535 Parkway E., Gatlinburg, TN 37738June 15, 1936Full Service Brick and Mortar
105276766Pigeon Forge Branch3671 Parkway, Pigeon Forge, TN 37863June 15, 1936Full Service Brick and Mortar
106276767Maryville Branch102 Foothills Mall Dr, Maryville, TN 37801June 15, 1936Full Service Brick and Mortar
107276768Oak Ridge Branch1125 Oak Ridge Turnpike, Oak Ridge, TN 37830June 15, 1936Full Service Brick and Mortar
108276769Fountain City Branch4900 N Broadway, Knoxville, TN 37918June 30, 1987Full Service Brick and Mortar
109276770Gibbs Branch7502 Tazewell Pike, Corryton, TN 37721April 06, 1998Full Service Brick and Mortar
110356491Cedar Bluff Branch315 North Cedar Bluff Road, Knoxville, TN 37923Febuary 01, 1999Full Service Brick and Mortar
111356492Powell Branch105 East Emory Road, Powell, TN 37849December 21, 1998Full Service Brick and Mortar
112464136Farragut Branch11686 Parkside Drive, Knoxville, TN 37922June 20, 2007Full Service Brick and Mortar
113464138Carter Branch7600 Asheville Highway, Knoxville, TN 37924June 20, 2007Full Service Brick and Mortar
114464139Seymour Branch11320 Chapman Highway, Seymour, TN 37865June 20, 2007Full Service Brick and Mortar
115491983Isaiah's Landing Branch2940 South Mall Road Ne, Knoxville, TN 37917January 28, 2008Full Service Brick and Mortar
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