Homebanc National Association in Lake Mary, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Homebanc National Association - Overview

  • General
  • FDIC Certificate #: 58194
    Status: Active
    Federal Reserve ID: 3577389
    Bank Holding Company (Regulatory Top Holder): Homebancorp, Inc. (RSSDID: 3577419, Location: Tampa, FL)
    Date Established: April 23, 2007
    WWW: http://www.homebanc.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: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 441850
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: April 23, 2007
    Last Structure Change Effective Date: May 29, 2010
    Last Structure Change Process Date: June 04, 2010
    Last Data Update: June 04, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 3701 West Lake Mary Boulevard, Lake Mary, FL 32746
    County: Seminole
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Orlando, FL (#5960)
    Combined Statistical Area (CSA): Orlando-Deltona-Daytona Beach, FL (#422)
    Core Based Statistical Area (CBSA): Orlando-Kissimmee-Sanford, FL (#36740)
    CBSA Metro Statistical Area: Orlando-Kissimmee-Sanford, FL (#36740)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $450.8 mil
    Equity capital: $41.4 mil
    Deposits held in domestic offices: $405.3 mil
    Return on assets (ROA): 0.68% ($3.1 mil)
    Quarterly return on assets: 0.67% ($3.0 mil)
    Return on Equity (ROE): 7.06% ($2.9 mil)
    Quarterly return on equity: 7.21% ($3.0 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.10% ($4,958.7 mil)
    Quarterly Pretax return on assets: 1.08% ($4,868.5 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
  • 104Total employees (full-time equivalent)
  • $450,789Total assets
  • $12,349Cash and due from depository institutions
  • $9,938Interest-bearing balances
  • $10,680Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $405,272Net loans & leases
  • $1,019Loan loss allowance
  • $0Trading account assets
  • $8,375Bank premises and fixed assets
  • $4,209Other real estate owned
  • $1,778Goodwill and other intangibles
  • $450,789Life insurance assets
  • $8,126All other assets
  • $409,438Total liabilities and capital
  • $405,349Total liabilities
  • $390,467Total deposits
  • $405,349Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,089Subordinated debt
  • $41,351All other liabilities
  • $41,351Total equity capital
  • $41,351Total bank equity capital
  • $6,700Perpetual preferred stock
  • $5,750Common stock
  • $32,263Surplus
  • $-3,362Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $222,453Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22,093Income earned, not collected on loans
  • $21,293Earning assets
  • $1,898Long-term assets (5+ years)
  • $425,890Average Assets, year-to-date
  • $18,980Average Assets, quarterly
  • $369,324Volatile liabilities
  • $442,473Insider loans
  • $187,839FHLB advances
  • $494,137Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $39,489Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,404Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,202Total interest income
  • $4,034Total interest expense
  • $7,168Net interest income
  • $1,049Provision for loan and lease losses
  • $19,503Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19,288Additional noninterest income
  • $21,768Total noninterest expense
  • $13,309Salaries and employee benefits
  • $2,961Premises and equipment expense
  • $5,498Additional noninterest expense
  • $3,854Pre-tax net operating income
  • $217Securities gains (losses)
  • $1,550Applicable income taxes
  • $2,521Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,521Net income attributable to bank
  • $0Net charge-offs
  • $2,521Cash dividends
  • $947Sale, conversion, retirement of capital stock, net
  • $117Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.24%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 2.07%Net interest margin
  • 5.64%Noninterest income to earning assets
  • 6.30%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 7.06%Return on equity (ROE)
  • 6.74%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 110.77%Credit loss provision to net charge-offs
  • 5.18%Efficiency ratio
  • 81,396Assets per employee
  • 4.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.64%Loss allowance to loans
  • 0.25%Loss allowance to noncurrent loans
  • 4.61%Noncurrent assets plus other real estate owned to assets
  • 5.83%Noncurrent loans to loans
  • 5.44%Net loans and leases to deposits
  • 99.98%Net loans and leases to core deposits
  • 105.80%Equity capital to assets
  • 9.17%Core capital (leverage) ratio
  • 7.99%Tier 1 risk-based capital ratio
  • 21.02%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $369,324Average earning assets
  • $35,690Average equity
  • $345,681Average loans

List of branches

  • 7 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0441850Homebanc National Association3701 West Lake Mary Boulevard, Lake Mary, FL 32746April 23, 2007Full Service Brick and Mortar
    1479361Lakewood Ranch Branch6230 University Parkway, Sarasota, FL 34240June 11, 2008Full Service Brick and Mortar
    2493468Bromley Branch3725 West Grace Street, Suite 120, Tampa, FL 33607September 04, 2008Full Service Brick and Mortar
    3493469Rocky Point Branch7650 Courtney Campbell Causeway, Suite 150, Tampa, FL 33607September 09, 2008Full Service Brick and Mortar
    4493470Belleair Branch101 North Indian Rocks Road, Belleair Bluffs, FL 33770Febuary 12, 2009Full Service Brick and Mortar
    5493471Westchase Branch13015 Racetrack Road, Tampa, FL 33626Febuary 23, 2009Full Service Brick and Mortar
    7463643Countryside Branch2566-G Mcmullen Booth Road, Clearwater, FL 33761March 25, 2002Full Service Brick and Mortar

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