Hometown Bank of Pennsylvania in Bedford, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Hometown Bank of Pennsylvania - Overview

  • General
  • FDIC Certificate #: 58470
    Status: Active
    Federal Reserve ID: 3594087
    Date Established: April 09, 2007
    WWW: http://www.hometownbankpa.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 452601
    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: April 09, 2007
    Last Structure Change Effective Date: June 21, 2011
    Last Structure Change Process Date: June 21, 2011
    Last Data Update: June 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 638 East Pitt Street, Bedford, PA 15522
    County: Bedford
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Wexford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • Financial Summary
  • Total assets: $104.4 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $95.0 mil
    Return on assets (ROA): 0.91% ($0.9 mil)
    Quarterly return on assets: 1.03% ($1.1 mil)
    Return on Equity (ROE): 10.29% ($0.9 mil)
    Quarterly return on equity: 11.77% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.02% ($1,064.8 mil)
    Quarterly Pretax return on assets: 1.26% ($1,315.4 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
  • 24Total employees (full-time equivalent)
  • $104,393Total assets
  • $9,122Cash and due from depository institutions
  • $877Interest-bearing balances
  • $2,954Securities
  • $5,783Federal funds sold & reverse repurchase agreements
  • $83,393Net loans & leases
  • $836Loan loss allowance
  • $0Trading account assets
  • $2,057Bank premises and fixed assets
  • $146Other real estate owned
  • $0Goodwill and other intangibles
  • $104,393Life insurance assets
  • $938All other assets
  • $95,207Total liabilities and capital
  • $94,987Total liabilities
  • $81,439Total deposits
  • $94,987Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $220Subordinated debt
  • $9,186All other liabilities
  • $9,186Total equity capital
  • $9,186Total bank equity capital
  • $0Perpetual preferred stock
  • $466Common stock
  • $9,006Surplus
  • $-286Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $235Long-term assets (5+ years)
  • $93,007Average Assets, year-to-date
  • $22,933Average Assets, quarterly
  • $97,844Volatile liabilities
  • $103,432Insider loans
  • $75,746FHLB advances
  • $103,752Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,181Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,894Restructured Loans and leases
  • $1,698Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,578Total interest income
  • $1,042Total interest expense
  • $3,536Net interest income
  • $165Provision for loan and lease losses
  • $300Total noninterest income
  • $0Fiduciary activities
  • $156Service charges on deposit accounts
  • $0Trading account gains & fees
  • $144Additional noninterest income
  • $2,671Total noninterest expense
  • $1,302Salaries and employee benefits
  • $228Premises and equipment expense
  • $1,141Additional noninterest expense
  • $1,000Pre-tax net operating income
  • $0Securities gains (losses)
  • $108Applicable income taxes
  • $892Income before extraordinary items
  • $0Extraordinary gains - net
  • $892Net income attributable to bank
  • $0Net charge-offs
  • $892Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 10.29%Return on equity (ROE)
  • 10.29%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 3300.00%Credit loss provision to net charge-offs
  • 233.00%Efficiency ratio
  • 69,630Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 87.79%Net loans and leases to core deposits
  • 93.25%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 8.85%Tier 1 risk-based capital ratio
  • 12.12%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $97,844Average earning assets
  • $8,668Average equity
  • $87,725Average loans

List of branches

  • 2 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0452601Hometown Bank Of Pennsylvania638 East Pitt Street, Bedford, PA 15522April 09, 2007Full Service Brick and Mortar
    1465277Everett Branch306 West Main Street, Everett, PA 15537July 09, 2007Full Service Brick and Mortar

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