Hometown National Bank in La Salle, Illinois (IL)



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Hometown National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$176,070
Cash and due from depository institutions$28,686
Interest-bearing balances$23,326
Securities$30,758
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$107,935
Loan loss allowance $2,813
Trading account assets$0
Bank premises and fixed assets$5,375
Other real estate owned$597
Goodwill and other intangibles$139
All other assets$2,580
Life insurance assets$176,070
Total liabilities and capital$159,582
Total liabilities$158,499
Total deposits$129,670
Interest-bearing deposits$158,499
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,083
All other liabilities $16,488
Total equity capital$16,488
Total bank equity capital$16,488
Perpetual preferred stock$0
Common stock$1,200
Surplus$5,000
Undivided profits $10,288
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,097
Earning assets $0
Long-term assets (5+ years) $558
Average Assets, year-to-date $162,019
Average Assets, quarterly $27,674
Volatile liabilities $169,073
Insider loans $174,490
FHLB advances $117,331
Loans and leases held for sale $176,138
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,808
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,137
Derivatives$2,301
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,181
Total interest expense $1,024
Net interest income $6,157
Provision for loan and lease losses $575
Total noninterest income $1,660
Fiduciary activities $774
Service charges on deposit accounts $552
Trading account gains & fees $0
Additional noninterest income $334
Total noninterest expense $5,351
Salaries and employee benefits $3,115
Premises and equipment expense $625
Additional noninterest expense $1,611
Pre-tax net operating income $1,891
Securities gains (losses) $229
Applicable income taxes $647
Income before extraordinary items $1,473
Extraordinary gains - net $0
Net income attributable to bank $1,473
Net charge-offs $0
Cash dividends $1,473
Sale, conversion, retirement of capital stock, net $397
Net operating income $1,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.67%
Cost of funding earning assets 0.67%
Net interest margin 4.00%
Noninterest income to earning assets 1.08%
Noninterest expense to earning assets 3.48%
Net operating income to assets 0.78%
Return on assets (ROA) 0.87%
Pretax return on assets 1.25%
Return on equity (ROE) 9.16%
Retained earnings to average equity (YTD only) 2.94%
Net charge-offs to loans 0.36%
Credit loss provision to net charge-offs 144.84%
Efficiency ratio6.21%
Assets per employee$68,453
Cash dividends to net income (YTD only)4.00%
Condition Ratios (%)
Loss allowance to loans 67.89%
Loss allowance to noncurrent loans 2.54%
Noncurrent assets plus other real estate owned to assets 134.14%
Noncurrent loans to loans 1.53%
Net loans and leases to deposits1.89%
Net loans and leases to core deposits 68.10%
Equity capital to assets 69.68%
Core capital (leverage) ratio 9.36%
Tier 1 risk-based capital ratio 8.97%
Total risk-based capital ratio 13.47%
Memoranda
Average assets$15
Average earning assets$169,073
Average equity $16,085
Average loans $153,895
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$125,258
Number of Accounts1
Personal trust and agency accounts$69,569
Employee benefit-defined contribution accounts$41,600
Employee benefit-defined benefit accounts$7,163
Other retirement accounts$0
Corporate trust and agency accounts$2,447
Investment management agency accounts$0
Other fiduciary accounts$18,359
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts338
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$2,447
Employee benefit-defined benefit accounts$0
Other retirement accounts$55,689
Corporate trust and agency accounts$220
Other fiduciary accounts$61
Fiduciary accounts held in foreign offices$20,197
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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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