Home National Bank in Racine, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Home National Bank - Overview

  • General
  • FDIC Certificate #: 6680
    Status: Active
    Federal Reserve ID: 79127
    Date Established: April 10, 1910
    WWW: http://www.homenatlbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 4478
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 209 Third Street, Racine, OH 45771
    County: Meigs
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $63.4 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $53.6 mil
    Return on assets (ROA): 0.82% ($0.5 mil)
    Quarterly return on assets: 0.64% ($0.4 mil)
    Return on Equity (ROE): 6.64% ($0.5 mil)
    Quarterly return on equity: 5.15% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.17% ($741.8 mil)
    Quarterly Pretax return on assets: 0.64% ($405.8 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
  • 21Total employees (full-time equivalent)
  • $63,404Total assets
  • $2,182Cash and due from depository institutions
  • $350Interest-bearing balances
  • $13,696Securities
  • $642Federal funds sold & reverse repurchase agreements
  • $42,739Net loans & leases
  • $587Loan loss allowance
  • $0Trading account assets
  • $2,634Bank premises and fixed assets
  • $125Other real estate owned
  • $0Goodwill and other intangibles
  • $63,404Life insurance assets
  • $1,386All other assets
  • $55,557Total liabilities and capital
  • $53,589Total liabilities
  • $47,442Total deposits
  • $53,589Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,532Trading liabilities
  • $0Other borrowed funds
  • $436Subordinated debt
  • $7,847All other liabilities
  • $7,847Total equity capital
  • $7,847Total bank equity capital
  • $0Perpetual preferred stock
  • $125Common stock
  • $125Surplus
  • $7,597Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,333Income earned, not collected on loans
  • $0Earning assets
  • $206Long-term assets (5+ years)
  • $57,427Average Assets, year-to-date
  • $8,958Average Assets, quarterly
  • $62,412Volatile liabilities
  • $63,522Insider loans
  • $40,575FHLB advances
  • $63,161Loans and leases held for sale
  • $849Unused loan commitments
  • $849Tier 1 (core) risk-based capital
  • $7,403Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,363Restructured Loans and leases
  • $2,529Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,719Total interest income
  • $882Total interest expense
  • $2,837Net interest income
  • $215Provision for loan and lease losses
  • $165Total noninterest income
  • $0Fiduciary activities
  • $168Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3Additional noninterest income
  • $2,117Total noninterest expense
  • $957Salaries and employee benefits
  • $205Premises and equipment expense
  • $955Additional noninterest expense
  • $670Pre-tax net operating income
  • $58Securities gains (losses)
  • $217Applicable income taxes
  • $511Income before extraordinary items
  • $0Extraordinary gains - net
  • $511Net income attributable to bank
  • $0Net charge-offs
  • $511Cash dividends
  • $246Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.57%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 5.02%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 6.64%Return on equity (ROE)
  • 2.74%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 87.40%Credit loss provision to net charge-offs
  • 3.60%Efficiency ratio
  • 70,520Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.71%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 44.04%Noncurrent assets plus other real estate owned to assets
  • 2.30%Noncurrent loans to loans
  • 3.08%Net loans and leases to deposits
  • 79.75%Net loans and leases to core deposits
  • 93.34%Equity capital to assets
  • 12.38%Core capital (leverage) ratio
  • 11.72%Tier 1 risk-based capital ratio
  • 18.25%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $62,412Average earning assets
  • $7,695Average equity
  • $56,566Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04478Home National Bank209 Third Street, Racine, OH 45771April 10, 1910Full Service Brick and Mortar
    1211869Syracuse BranchState Route 124, Syracuse, OH 45779November 15, 1982Full Service Brick and Mortar

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