HomeTrust Bank in Clyde, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • HomeTrust Bank in Clyde, North Carolina (NC)
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HomeTrust Bank - Overview

  • General
  • FDIC Certificate #: 27677
    Status: Active
    Federal Reserve ID: 212577
    Date Established: January 01, 1926
    WWW: http://www.hometrustbanking.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 20 (Domestic: 20, Interstate: No)
    OTS Docket #: 13558
    FDIC's unique #: 40511
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: August 27, 1948
    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
  • Location
  • Address: 8583 Carolina Boulevard, Clyde, NC 28721
    County: Haywood
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Charlotte
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Asheville-Brevard, NC (#120)
    Core Based Statistical Area (CBSA): Asheville, NC (#11700)
    CBSA Metro Statistical Area: Asheville, NC (#11700)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,578.5 mil
    Equity capital: $169.0 mil
    Deposits held in domestic offices: $1,249.7 mil
    Return on assets (ROA): -0.86% (-$13.6 mil)
    Quarterly return on assets: 0.21% ($3.3 mil)
    Return on Equity (ROE): -7.99% (-$13.5 mil)
    Quarterly return on equity: 2.00% ($3.4 mil)
    Net income: -$13.9 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: -1.52% (-$23,993.8 mil)
    Quarterly Pretax return on assets: 0.19% ($2,999.2 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
  • 280Total employees (full-time equivalent)
  • $1,578,541Total assets
  • $132,925Cash and due from depository institutions
  • $119,439Interest-bearing balances
  • $36,992Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,264,743Net loans & leases
  • $27,405Loan loss allowance
  • $0Trading account assets
  • $23,445Bank premises and fixed assets
  • $10,759Other real estate owned
  • $261Goodwill and other intangibles
  • $1,578,541Life insurance assets
  • $109,416All other assets
  • $1,409,551Total liabilities and capital
  • $1,249,675Total liabilities
  • $1,242,531Total deposits
  • $1,249,675Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 7134.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $103,110Trading liabilities
  • $0Other borrowed funds
  • $49,632Subordinated debt
  • $168,990All other liabilities
  • $168,990Total equity capital
  • $168,990Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $168,990Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $48,916Income earned, not collected on loans
  • $0Earning assets
  • $6,763Long-term assets (5+ years)
  • $1,421,174Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,630,459Volatile liabilities
  • $1,594,505Insider loans
  • $1,148,347FHLB advances
  • $1,528,909Loans and leases held for sale
  • $38,734Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $119,265Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $217,774Restructured Loans and leases
  • $2,022Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $69,641Total interest income
  • $15,653Total interest expense
  • $53,988Net interest income
  • $36,800Provision for loan and lease losses
  • $4,124Total noninterest income
  • $0Fiduciary activities
  • $114Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,010Additional noninterest income
  • $46,132Total noninterest expense
  • $20,399Salaries and employee benefits
  • $7,059Premises and equipment expense
  • $18,674Additional noninterest expense
  • -$24,820Pre-tax net operating income
  • $0Securities gains (losses)
  • -$10,875Applicable income taxes
  • -$13,945Income before extraordinary items
  • $0Extraordinary gains - net
  • -$13,945Net income attributable to bank
  • $0Net charge-offs
  • -$13,945Cash dividends
  • $33,364Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • -0.86%Net operating income to assets
  • -0.86%Return on assets (ROA)
  • -1.52%Pretax return on assets
  • -7.99%Return on equity (ROE)
  • -7.99%Retained earnings to average equity (YTD only)
  • 2.55%Net charge-offs to loans
  • 110.30%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 79,113Assets per employee
  • 5.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 56.02%Noncurrent assets plus other real estate owned to assets
  • 3.78%Noncurrent loans to loans
  • 3.79%Net loans and leases to deposits
  • 101.21%Net loans and leases to core deposits
  • 115.65%Equity capital to assets
  • 10.71%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 10.39%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,630,459Average earning assets
  • $174,564Average equity
  • $1,471,684Average loans

List of branches

  • 20 North Carolina Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    040511Hometrust Bank8583 Carolina Boulevard, Clyde, NC 28721January 01, 1926Full Service Brick and Mortar
    1262803Asheville Office Branch10 Woodfin Street, Asheville, NC 28802January 01, 1926Full Service Brick and Mortar
    101262805Weaverville Office Branch5 North Ridge Commons Parkway, Weaverville, NC 28787January 01, 1926Full Service Brick and Mortar
    10642399Tryon Office Branch341 N. Trade Street, Tryon, NC 28782November 23, 1935Full Service Brick and Mortar
    10841407224 East Warren Street Branch224 East Warren Street, Shelby, NC 28150January 01, 1905Full Service Brick and Mortar
    109262810Cleveland Mall Branch2007 East Dixon Boulevard, Shelby, NC 28152Febuary 28, 1998Full Service Brick and Mortar
    110262811Skyland Office Branch1999 Hendrsonville Road, Asheville, NC 28803June 11, 1996Full Service Brick and Mortar
    11240844Eden Office Branch106 South Van Buren Road, Eden, NC 27288January 01, 1909Full Service Brick and Mortar
    113264506Leaksville Office Branch722 Washington St, Eden, NC 27288January 01, 1909Full Service Brick and Mortar
    114464219Waynesville Office Branch800 Russ Avenue, Waynesville, NC 28786June 22, 2007Full Service Brick and Mortar
    115464220Hendersonville Branch228 Sixth Avenue East, Hendersonville, NC 28792June 22, 2007Full Service Brick and Mortar
    116464221Columbus Office Branch685 West Mills Street, Columbus, NC 28722June 22, 2007Full Service Brick and Mortar
    117491860Reidsville Branch2805 Reid School Road, Reidsville, NC 27323September 10, 2007Full Service Brick and Mortar
    118495162Asheville Branch1825 Hendersonville Road, Asheville, NC 28803October 06, 2008Full Service Brick and Mortar
    11941274West Center Street Branch107 West Center Street, Lexington, NC 27292January 01, 1928Full Service Brick and Mortar
    120267650Highway 52 At Gumtree Road Branch11564 Old Highway 52, Winston-Salem, NC 27107June 30, 1986Full Service Brick and Mortar
    121498688Clemmons Branch8759 N. Nc Highway 150, Clemmons, NC 27012March 19, 2007Full Service Brick and Mortar
    12243849Cherryville Federal S&L Branch100 West Main Street, Cherryville, NC 28021January 01, 1912Full Service Brick and Mortar
    123518303Tunnel Road Branch1011 Tunnel Road, Suite 180, Asheville, NC 28805November 15, 2006Full Service Brick and Mortar
    124518304Butler Road Branch351 Butler Road, Forest City, NC 28043April 15, 2007Full Service Brick and Mortar

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