Hometown Community Bank in Braselton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Hometown Community Bank in Braselton, Georgia (GA)
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Hometown Community Bank routing number info

Hometown Community Bank - Overview

  • General
  • FDIC Certificate #: 57928
    Status: Active
    Federal Reserve ID: 3293746
    Bank Holding Company (Regulatory Top Holder): Hometown Community Bancshares, Inc. (RSSDID: 3293737, Location: Braselton, GA)
    Date Established: August 01, 2005
    WWW: http://www.hometowncb.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 #: 431711
    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: August 01, 2005
    Last Structure Change Effective Date: December 12, 2006
    Last Structure Change Process Date: December 27, 2006
    Last Data Update: December 27, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 6700 Hwy 53, Braselton, GA 30517
    County: Jackson
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $136.2 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $108.0 mil
    Return on assets (ROA): -0.42% (-$0.6 mil)
    Quarterly return on assets: -1.19% (-$1.6 mil)
    Return on Equity (ROE): -12.88% (-$0.9 mil)
    Quarterly return on equity: -24.76% (-$1.7 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -0.42% (-$572.1 mil)
    Quarterly Pretax return on assets: -1.19% (-$1,620.8 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
  • 19Total employees (full-time equivalent)
  • $136,203Total assets
  • $4,372Cash and due from depository institutions
  • $3,793Interest-bearing balances
  • $45,296Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $67,352Net loans & leases
  • $2,124Loan loss allowance
  • $0Trading account assets
  • $3,146Bank premises and fixed assets
  • $14,335Other real estate owned
  • $0Goodwill and other intangibles
  • $136,203Life insurance assets
  • $1,702All other assets
  • $128,815Total liabilities and capital
  • $108,020Total liabilities
  • $101,339Total deposits
  • $108,020Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,500Trading liabilities
  • $0Other borrowed funds
  • $295Subordinated debt
  • $7,388All other liabilities
  • $7,388Total equity capital
  • $7,388Total bank equity capital
  • $0Perpetual preferred stock
  • $5,150Common stock
  • $14,904Surplus
  • $-12,666Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,088Income earned, not collected on loans
  • $0Earning assets
  • $390Long-term assets (5+ years)
  • $116,441Average Assets, year-to-date
  • $18,772Average Assets, quarterly
  • $137,225Volatile liabilities
  • $137,757Insider loans
  • $85,573FHLB advances
  • $139,147Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,373Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,981Restructured Loans and leases
  • $2,219Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,213Total interest income
  • $1,999Total interest expense
  • $2,214Net interest income
  • $0Provision for loan and lease losses
  • $771Total noninterest income
  • $0Fiduciary activities
  • $234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $537Additional noninterest income
  • $3,918Total noninterest expense
  • $1,274Salaries and employee benefits
  • $612Premises and equipment expense
  • $2,032Additional noninterest expense
  • -$933Pre-tax net operating income
  • $357Securities gains (losses)
  • $0Applicable income taxes
  • -$576Income before extraordinary items
  • $0Extraordinary gains - net
  • -$576Net income attributable to bank
  • $0Net charge-offs
  • -$576Cash dividends
  • $293Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.55%Yield on earning assets
  • 1.68%Cost of funding earning assets
  • 1.86%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • -0.68%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.42%Pretax return on assets
  • -12.88%Return on equity (ROE)
  • -12.88%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -3.18%Efficiency ratio
  • 131,256Assets per employee
  • 7.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.06%Loss allowance to noncurrent loans
  • 15.08%Noncurrent assets plus other real estate owned to assets
  • 20.87%Noncurrent loans to loans
  • 20.28%Net loans and leases to deposits
  • 62.35%Net loans and leases to core deposits
  • 71.78%Equity capital to assets
  • 5.42%Core capital (leverage) ratio
  • 5.30%Tier 1 risk-based capital ratio
  • 8.62%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $137,225Average earning assets
  • $4,474Average equity
  • $118,819Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0431711Hometown Community Bank6700 Hwy 53, Braselton, GA 30517August 01, 2005Full Service Brick and Mortar
    1468327Hoschton Branch55 Freedom Parkway, Suite 115, Hoschton, GA 30548September 24, 2007Full Service Brick and Mortar

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