Hometown Bank in Fond Du Lac, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Hometown Bank in Fond Du Lac, Wisconsin (WI)
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Hometown Bank - Overview

  • General
  • FDIC Certificate #: 12781
    Status: Active
    Federal Reserve ID: 63742
    Bank Holding Company (Regulatory Top Holder): Hometown Bancorp, Ltd. (RSSDID: 2628453, Location: Fond Du Lac, WI)
    Date Established: January 01, 1907
    WWW: http://www.hometownbancorp.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 13928
    FDIC's unique #: 8094
    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: January 01, 1934
    Last Structure Change Effective Date: October 01, 2011
    Last Structure Change Process Date: October 25, 2011
    Last Data Update: October 25, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 80 Sheboygan Street, Fond Du Lac, WI 54935
    County: Fond Du Lac
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
    Core Based Statistical Area (CBSA): Fond du Lac, WI (#22540)
    CBSA Metro Statistical Area: Fond du Lac, WI (#22540)
  • Financial Summary
  • Total assets: $196.3 mil
    Equity capital: $26.8 mil
    Deposits held in domestic offices: $160.5 mil
    Return on assets (ROA): 1.16% ($2.3 mil)
    Quarterly return on assets: 1.29% ($2.5 mil)
    Return on Equity (ROE): 8.91% ($2.4 mil)
    Quarterly return on equity: 9.70% ($2.6 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.94% ($3,808.9 mil)
    Quarterly Pretax return on assets: 2.05% ($4,024.9 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
  • 38Total employees (full-time equivalent)
  • $196,335Total assets
  • $6,309Cash and due from depository institutions
  • $1,721Interest-bearing balances
  • $53Securities
  • $6,056Federal funds sold & reverse repurchase agreements
  • $174,586Net loans & leases
  • $3,822Loan loss allowance
  • $0Trading account assets
  • $6,192Bank premises and fixed assets
  • $58Other real estate owned
  • $135Goodwill and other intangibles
  • $196,335Life insurance assets
  • $2,946All other assets
  • $169,584Total liabilities and capital
  • $160,498Total liabilities
  • $121,014Total deposits
  • $160,498Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,009Trading liabilities
  • $0Other borrowed funds
  • $3,077Subordinated debt
  • $26,751All other liabilities
  • $26,751Total equity capital
  • $26,751Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $25,039Surplus
  • $1,652Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,716Income earned, not collected on loans
  • $1,221Earning assets
  • $614Long-term assets (5+ years)
  • $182,416Average Assets, year-to-date
  • $21,091Average Assets, quarterly
  • $196,695Volatile liabilities
  • $198,149Insider loans
  • $150,416FHLB advances
  • $200,008Loans and leases held for sale
  • $393Unused loan commitments
  • $393Tier 1 (core) risk-based capital
  • $26,749Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,105Restructured Loans and leases
  • $12,594Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,529Total interest income
  • $1,702Total interest expense
  • $7,827Net interest income
  • $780Provision for loan and lease losses
  • $1,678Total noninterest income
  • $0Fiduciary activities
  • $335Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,343Additional noninterest income
  • $5,035Total noninterest expense
  • $2,685Salaries and employee benefits
  • $729Premises and equipment expense
  • $1,621Additional noninterest expense
  • $3,690Pre-tax net operating income
  • $118Securities gains (losses)
  • $1,530Applicable income taxes
  • $2,278Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,278Net income attributable to bank
  • $0Net charge-offs
  • $2,278Cash dividends
  • $272Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 8.91%Return on equity (ROE)
  • 8.91%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 286.76%Credit loss provision to net charge-offs
  • 16.43%Efficiency ratio
  • 52,972Assets per employee
  • 5.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 102.85%Noncurrent assets plus other real estate owned to assets
  • 1.92%Noncurrent loans to loans
  • 2.08%Net loans and leases to deposits
  • 108.78%Net loans and leases to core deposits
  • 130.96%Equity capital to assets
  • 13.63%Core capital (leverage) ratio
  • 13.37%Tier 1 risk-based capital ratio
  • 17.78%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $196,695Average earning assets
  • $25,575Average equity
  • $182,352Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,645Managed Assets
  • 1Number of Accounts
  • $4,645Personal trust and agency accounts
  • $4,645Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 6 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08094Hometown Bank80 Sheboygan Street, Fond Du Lac, WI 54935January 01, 1907Full Service Brick and Mortar
    2227872Fond Du Lac Branch245 North Peters Avenue, Fond Du Lac, WI 54935October 22, 1999Full Service Brick and Mortar
    4360455Wautoma Branch105 Plaza Road, Wautoma, WI 54982June 25, 2001Full Service Brick and Mortar
    6365440Appleton Branch4190 Boardwalk Court, Appleton, WI 54914October 24, 2002Full Service Brick and Mortar
    10450295Campbellsport Branch259 North Fond Du Lac Avenue, Campbellsport, WI 53010March 27, 2006Full Service Retail
    12490143St. Cloud Branch1200 Main Street, Saint Cloud, WI 53079May 01, 2009Full Service Brick and Mortar

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