Hometown Bank in city_name, state_name - Detailed Financial Reports, Location

Hometown Bank in Kent, Ohio (OH)
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Hometown Bank routing number info

Hometown Bank - Overview

General
FDIC Certificate #: 30219
Status: Active
Federal Reserve ID: 940674
Bank Holding Company (Regulatory Top Holder): Hometown Bancorp, Inc. (RSSDID: 3311202, Location: Kent, OH)
Date Established: January 01, 1898
WWW: http://www.homesavingsbnk.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 4984
FDIC's unique #: 43053
Numeric code: 41
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: December 29, 1943
Last Structure Change Effective Date: January 23, 2012
Last Structure Change Process Date: January 26, 2012
Last Data Update: January 26, 2012
Data Source Date: April 05, 2012
Location
Address: 142 North Water Street, Kent, OH 44240
County: Portage
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Akron, OH (#80)
Consolidated Metropolitan Statistical Area (CMSA): Cleveland-Akron, OH (#28)
Combined Statistical Area (CSA): Cleveland-Akron-Elyria, OH (#184)
Core Based Statistical Area (CBSA): Akron, OH (#10420)
CBSA Metro Statistical Area: Akron, OH (#10420)
History of Changes
Name Change
Financial Summary
Total assets: $150.2 mil
Equity capital: $11.4 mil
Deposits held in domestic offices: $124.8 mil
Return on assets (ROA): 0.78% ($1.2 mil)
Quarterly return on assets: 0.89% ($1.3 mil)
Return on Equity (ROE): 10.42% ($1.1 mil)
Quarterly return on equity: 11.70% ($1.3 mil)
Net income: $1.1 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.15% ($1,727.4 mil)
Quarterly Pretax return on assets: 1.30% ($1,952.7 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
45Total employees (full-time equivalent)
$150,205Total assets
$6,501Cash and due from depository institutions
$5,568Interest-bearing balances
$11,956Securities
$0Federal funds sold & reverse repurchase agreements
$122,757Net loans & leases
$856Loan loss allowance
$0Trading account assets
$2,527Bank premises and fixed assets
$629Other real estate owned
$282Goodwill and other intangibles
$150,205Life insurance assets
$5,553All other assets
$138,787Total liabilities and capital
$124,793Total liabilities
$105,480Total deposits
$124,793Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$11,110Trading liabilities
$0Other borrowed funds
$2,884Subordinated debt
$11,418All other liabilities
$11,418Total equity capital
$11,418Total bank equity capital
$0Perpetual preferred stock
$165Common stock
$3,391Surplus
$7,862Undivided profits
Memoranda
$0Noncurrent loans and leases
$292Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,688Income earned, not collected on loans
$0Earning assets
$576Long-term assets (5+ years)
$140,281Average Assets, year-to-date
$43,416Average Assets, quarterly
$146,985Volatile liabilities
$149,446Insider loans
$111,883FHLB advances
$147,368Loans and leases held for sale
$2,511Unused loan commitments
$2,511Tier 1 (core) risk-based capital
$11,418Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,507Restructured Loans and leases
$1,902Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,428Total interest income
$1,241Total interest expense
$6,187Net interest income
$445Provision for loan and lease losses
$887Total noninterest income
$0Fiduciary activities
$259Service charges on deposit accounts
$0Trading account gains & fees
$628Additional noninterest income
$4,923Total noninterest expense
$2,807Salaries and employee benefits
$587Premises and equipment expense
$1,529Additional noninterest expense
$1,706Pre-tax net operating income
-$11Securities gains (losses)
$554Applicable income taxes
$1,141Income before extraordinary items
$0Extraordinary gains - net
$1,141Net income attributable to bank
$0Net charge-offs
$1,141Cash dividends
$335Sale, conversion, retirement of capital stock, net
$560Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.42%Yield on earning assets
0.91%Cost of funding earning assets
4.51%Net interest margin
0.65%Noninterest income to earning assets
3.59%Noninterest expense to earning assets
0.78%Net operating income to assets
0.78%Return on assets (ROA)
1.15%Pretax return on assets
10.42%Return on equity (ROE)
5.31%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
132.84%Credit loss provision to net charge-offs
6.42%Efficiency ratio
69,593Assets per employee
3.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.08%Loss allowance to loans
0.69%Loss allowance to noncurrent loans
31.85%Noncurrent assets plus other real estate owned to assets
2.21%Noncurrent loans to loans
2.17%Net loans and leases to deposits
98.37%Net loans and leases to core deposits
107.76%Equity capital to assets
7.60%Core capital (leverage) ratio
7.75%Tier 1 risk-based capital ratio
10.21%Total risk-based capital ratio
Memoranda
$11Average assets
$146,985Average earning assets
$10,952Average equity
$137,111Average loans

List of branches

5 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	43053	Hometown Bank	142 North Water Street, Kent, OH 44240	January 01, 1898	Full Service Brick and Mortar
1	279177	Water Street Drive-Thru Branch	203 North Water Street, Kent, OH 44240	October 01, 1980	Limited Service Facility
3	279179	Brimfield Township Branch	4023 State Route 43, Brimfield Township, OH 44240	June 26, 1996	Full Service Brick and Mortar
5	476947	Courier Service	142 North Water Street, Kent, OH 44240	June 16, 2008	Limited Service Messenger
6	485241	Ravenna Branch	100 East Main Street, Ravenna, OH 44266	December 15, 2008	Full Service Brick and Mortar

Hometown Bank in Kent, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hometown Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Hometown Bank in Kent, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

Hometown Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Hometown Bank in Kent, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches