Homeland Community Bank in Mc Minnville, Tennessee (TN)



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Homeland Community Bank routing number info

Table of contents:
Homeland Community Bank
GeneralFDIC Certificate #: 57632
Status: Active
Federal Reserve ID: 3223408
Date Established: November 24, 2003
WWW: http://www.homelandcb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 418823
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: November 24, 2003
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
LocationAddress: 900 North Chancery Street, Mc Minnville, TN 37110
County: Warren
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Nashville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): McMinnville, TN (#32660)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $132.9 mil
Equity capital: $12.3 mil
Deposits held in domestic offices: $116.2 mil
Return on assets (ROA): 1.07% ($1.4 mil)
Quarterly return on assets: 1.34% ($1.8 mil)
Return on Equity (ROE): 11.66% ($1.4 mil)
Quarterly return on equity: 14.50% ($1.7 mil)
Net income: $1.4 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.60% ($2,126.6 mil)
Quarterly Pretax return on assets: 2.05% ($2,724.8 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)26
Total assets$132,915
Cash and due from depository institutions$12,439
Interest-bearing balances$11,581
Securities$19,670
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$94,394
Loan loss allowance $1,542
Trading account assets$0
Bank premises and fixed assets$1,589
Other real estate owned$559
Goodwill and other intangibles$0
All other assets$4,264
Life insurance assets$132,915
Total liabilities and capital$120,600
Total liabilities$116,234
Total deposits$104,542
Interest-bearing deposits$116,234
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,000
Other borrowed funds $0
Subordinated debt $1,366
All other liabilities $12,315
Total equity capital$12,315
Total bank equity capital$12,315
Perpetual preferred stock$0
Common stock$985
Surplus$9,102
Undivided profits $2,228
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $749
Income earned, not collected on loans $2,030
Earning assets $0
Long-term assets (5+ years) $915
Average Assets, year-to-date $125,645
Average Assets, quarterly $20,402
Volatile liabilities $126,460
Insider loans $131,018
FHLB advances $91,852
Loans and leases held for sale $126,756
Unused loan commitments $2,730
Tier 1 (core) risk-based capital $1,631
Tier 2 risk-based capital $11,753
Total risk weighted assets $0
Total unused commitments $1,099
Restructured Loans and leases $7,390
Derivatives$2,802
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,922
Total interest expense $1,708
Net interest income $4,214
Provision for loan and lease losses $133
Total noninterest income $740
Fiduciary activities $0
Service charges on deposit accounts $285
Trading account gains & fees $0
Additional noninterest income $455
Total noninterest expense $2,969
Salaries and employee benefits $1,385
Premises and equipment expense $293
Additional noninterest expense $1,291
Pre-tax net operating income $1,852
Securities gains (losses) $171
Applicable income taxes $671
Income before extraordinary items $1,352
Extraordinary gains - net $0
Net income attributable to bank $1,352
Net charge-offs $0
Cash dividends $1,352
Sale, conversion, retirement of capital stock, net -$351
Net operating income $394
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.97%
Cost of funding earning assets 1.43%
Net interest margin 3.53%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.49%
Net operating income to assets 0.98%
Return on assets (ROA) 1.07%
Pretax return on assets 1.60%
Return on equity (ROE) 11.66%
Retained earnings to average equity (YTD only) 8.26%
Net charge-offs to loans -0.37%
Credit loss provision to net charge-offs -37.89%
Efficiency ratio0.00%
Assets per employee$59,931
Cash dividends to net income (YTD only)5.11%
Condition Ratios (%)
Loss allowance to loans 29.14%
Loss allowance to noncurrent loans 1.61%
Noncurrent assets plus other real estate owned to assets 75.96%
Noncurrent loans to loans 1.95%
Net loans and leases to deposits2.12%
Net loans and leases to core deposits 81.21%
Equity capital to assets 91.49%
Core capital (leverage) ratio 9.27%
Tier 1 risk-based capital ratio 9.27%
Total risk-based capital ratio 12.80%
Memoranda
Average assets$14
Average earning assets$126,460
Average equity $11,592
Average loans $119,220
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3 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0418823Homeland Community Bank900 North Chancery Street, Mc Minnville, TN 37110November 24, 2003Full Service Brick and Mortar
1432873Morrison Branch150 North Railroad Street, Morrison, TN 37357November 08, 2004Full Service Brick and Mortar
2469068Mt. Leo Branch807 Beersheba Street, Mc Minnville, TN 37110November 13, 2007Full Service Brick and Mortar
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