Hometown National Bank in La Salle, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hometown National Bank - Overview

  • General
  • FDIC Certificate #: 3691
    Status: Active
    Federal Reserve ID: 770639
    Bank Holding Company (Regulatory Top Holder): Lasalle Bancorp, Inc. (RSSDID: 1209323, Location: La Salle, IL)
    Date Established: December 16, 1880
    WWW: http://www.myhtnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 2362
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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
  • Location
  • Address: 260 Bucklin Street, La Salle, IL 61301
    County: La Salle
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $176.1 mil
    Equity capital: $16.5 mil
    Deposits held in domestic offices: $158.5 mil
    Return on assets (ROA): 0.87% ($1.5 mil)
    Quarterly return on assets: 0.82% ($1.4 mil)
    Return on Equity (ROE): 9.16% ($1.5 mil)
    Quarterly return on equity: 8.75% ($1.4 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.25% ($2,200.9 mil)
    Quarterly Pretax return on assets: 1.14% ($2,007.2 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
  • 44Total employees (full-time equivalent)
  • $176,070Total assets
  • $28,686Cash and due from depository institutions
  • $23,326Interest-bearing balances
  • $30,758Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $107,935Net loans & leases
  • $2,813Loan loss allowance
  • $0Trading account assets
  • $5,375Bank premises and fixed assets
  • $597Other real estate owned
  • $139Goodwill and other intangibles
  • $176,070Life insurance assets
  • $2,580All other assets
  • $159,582Total liabilities and capital
  • $158,499Total liabilities
  • $129,670Total deposits
  • $158,499Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,083Subordinated debt
  • $16,488All other liabilities
  • $16,488Total equity capital
  • $16,488Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $5,000Surplus
  • $10,288Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,097Income earned, not collected on loans
  • $0Earning assets
  • $558Long-term assets (5+ years)
  • $162,019Average Assets, year-to-date
  • $27,674Average Assets, quarterly
  • $169,073Volatile liabilities
  • $174,490Insider loans
  • $117,331FHLB advances
  • $176,138Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,808Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,137Restructured Loans and leases
  • $2,301Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,181Total interest income
  • $1,024Total interest expense
  • $6,157Net interest income
  • $575Provision for loan and lease losses
  • $1,660Total noninterest income
  • $774Fiduciary activities
  • $552Service charges on deposit accounts
  • $0Trading account gains & fees
  • $334Additional noninterest income
  • $5,351Total noninterest expense
  • $3,115Salaries and employee benefits
  • $625Premises and equipment expense
  • $1,611Additional noninterest expense
  • $1,891Pre-tax net operating income
  • $229Securities gains (losses)
  • $647Applicable income taxes
  • $1,473Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,473Net income attributable to bank
  • $0Net charge-offs
  • $1,473Cash dividends
  • $397Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.00%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 9.16%Return on equity (ROE)
  • 2.94%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 144.84%Credit loss provision to net charge-offs
  • 6.21%Efficiency ratio
  • 68,453Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.89%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 134.14%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 1.89%Net loans and leases to deposits
  • 68.10%Net loans and leases to core deposits
  • 69.68%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 8.97%Tier 1 risk-based capital ratio
  • 13.47%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $169,073Average earning assets
  • $16,085Average equity
  • $153,895Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $125,258Managed Assets
  • 1Number of Accounts
  • $69,569Personal trust and agency accounts
  • $41,600Employee benefit-defined contribution accounts
  • $7,163Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,447Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $18,359Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 338Number of Accounts
  • $0Personal trust and agency accounts
  • $2,447Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $55,689Other retirement accounts
  • $220Corporate trust and agency accounts
  • $61Other fiduciary accounts
  • $20,197Fiduciary accounts held in foreign offices

List of branches

  • 6 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02362Hometown National Bank260 Bucklin Street, La Salle, IL 61301December 16, 1880Full Service Brick and Mortar
    2201745Peru Branch4141 Venture Drive, Peru, IL 61354September 21, 1990Full Service Brick and Mortar
    4363648La Salle National Bank Messenger Ser105 Marquette Street, La Salle, IL 61301May 07, 2001Limited Service Messenger
    5451650Joliet Branch722 Essington Road, Suite A, Joliet, IL 60435January 30, 2006Full Service Brick and Mortar
    6453819Hometown National Bank Messenger Ser722 Essington Rd, Ste A, Joliet, IL 60435April 01, 2006Limited Service Mobile
    7466048Hometown National Bank Messenger Ser260 Bucklin St, La Salle, IL 61301June 30, 2007Limited Service Mobile

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