HomeTown Bank, National Association in Galveston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

HomeTown Bank, National Association - Overview

  • General
  • FDIC Certificate #: 19603
    Status: Active
    Federal Reserve ID: 393953
    Bank Holding Company (Regulatory Top Holder): Moody Bancshares, Inc. (RSSDID: 1107522, Location: Galveston, TX)
    Date Established: June 27, 1966
    WWW: http://www.htbna.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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12778
    FDIC's unique #: 13402
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 27, 1966
    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: 1801 45th Street, Galveston, TX 77552
    County: Galveston
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Galveston-Texas City, TX (#2920)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $426.0 mil
    Equity capital: $38.7 mil
    Deposits held in domestic offices: $384.5 mil
    Return on assets (ROA): 1.30% ($5.5 mil)
    Quarterly return on assets: 1.31% ($5.6 mil)
    Return on Equity (ROE): 14.06% ($5.5 mil)
    Quarterly return on equity: 14.11% ($5.5 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.77% ($7,540.8 mil)
    Quarterly Pretax return on assets: 1.82% ($7,753.8 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
  • 92Total employees (full-time equivalent)
  • $426,033Total assets
  • $23,517Cash and due from depository institutions
  • $12,666Interest-bearing balances
  • $134,584Securities
  • $12,000Federal funds sold & reverse repurchase agreements
  • $239,437Net loans & leases
  • $3,848Loan loss allowance
  • $0Trading account assets
  • $9,949Bank premises and fixed assets
  • $2,998Other real estate owned
  • $0Goodwill and other intangibles
  • $426,033Life insurance assets
  • $3,548All other assets
  • $387,286Total liabilities and capital
  • $384,529Total liabilities
  • $291,577Total deposits
  • $384,529Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,757Subordinated debt
  • $38,747All other liabilities
  • $38,747Total equity capital
  • $38,747Total bank equity capital
  • $0Perpetual preferred stock
  • $383Common stock
  • $415Surplus
  • $37,949Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,735Income earned, not collected on loans
  • $0Earning assets
  • $1,832Long-term assets (5+ years)
  • $398,687Average Assets, year-to-date
  • $222,698Average Assets, quarterly
  • $389,207Volatile liabilities
  • $413,895Insider loans
  • $244,064FHLB advances
  • $411,224Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,399Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,633Restructured Loans and leases
  • $6,195Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,171Total interest income
  • $2,630Total interest expense
  • $16,541Net interest income
  • $664Provision for loan and lease losses
  • $1,665Total noninterest income
  • $0Fiduciary activities
  • $955Service charges on deposit accounts
  • $0Trading account gains & fees
  • $710Additional noninterest income
  • $10,795Total noninterest expense
  • $5,043Salaries and employee benefits
  • $1,332Premises and equipment expense
  • $4,420Additional noninterest expense
  • $6,747Pre-tax net operating income
  • $153Securities gains (losses)
  • $1,840Applicable income taxes
  • $5,060Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,060Net income attributable to bank
  • $0Net charge-offs
  • $5,060Cash dividends
  • $306Sale, conversion, retirement of capital stock, net
  • $1,090Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.53%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 14.06%Return on equity (ROE)
  • 11.03%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 216.99%Credit loss provision to net charge-offs
  • 24.22%Efficiency ratio
  • 59,294Assets per employee
  • 4.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.54%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 221.79%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 62.27%Net loans and leases to core deposits
  • 69.21%Equity capital to assets
  • 9.09%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 14.50%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $389,207Average earning assets
  • $35,979Average equity
  • $365,259Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013402Hometown Bank, National Association1801 45th Street, Galveston, TX 77552June 27, 1966Full Service Brick and Mortar
    2248966Seawall Branch4424 Seawall Boulevard, Galveston, TX 77550July 09, 1992Full Service Brick and Mortar
    3248967Friendswood Branch3211 Fm 528, Friendswood, TX 77546September 20, 1999Full Service Brick and Mortar
    4444597Hometown Bank Of League City1406 West Main, League City, TX 77573August 30, 2005Full Service Brick and Mortar
    5463661Hometown Bank Of Alvin Branch1050 North Bypass 35, Alvin, TX 77511April 02, 2007Full Service Brick and Mortar
    6515964Friendswood Downtown Branch601 South Friendswood Drive, Friendswood, TX 77546December 29, 2010Full Service Brick and Mortar

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