The Home National Bank of Thorntown in Thorntown, Indiana (IN)



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The Home National Bank of Thorntown routing number info

Table of contents:
The Home National Bank of Thorntown
GeneralFDIC Certificate #: 14225
Status: Active
Federal Reserve ID: 696645
Bank Holding Company (Regulatory Top Holder): Home National Corporation (RSSDID: 1133183, Location: Thorntown, IN)
Date Established: May 31, 1901
WWW: http://www.thehomenationalbank.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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 8882
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 06, 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: 117 East Main Street, Thorntown, IN 46071
County: Boone
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480)
Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $93.0 mil
Equity capital: $6.7 mil
Deposits held in domestic offices: $81.6 mil
Return on assets (ROA): 0.57% ($0.5 mil)
Quarterly return on assets: 0.43% ($0.4 mil)
Return on Equity (ROE): 7.81% ($0.5 mil)
Quarterly return on equity: 5.82% ($0.4 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.75% ($697.7 mil)
Quarterly Pretax return on assets: 0.53% ($493.1 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)24
Total assets$93,032
Cash and due from depository institutions$2,874
Interest-bearing balances$100
Securities$36,843
Federal funds sold & reverse repurchase agreements$1,447
Net loans & leases$47,974
Loan loss allowance $679
Trading account assets$0
Bank premises and fixed assets$2,284
Other real estate owned$198
Goodwill and other intangibles$0
All other assets$1,412
Life insurance assets$93,032
Total liabilities and capital$86,310
Total liabilities$81,571
Total deposits$68,022
Interest-bearing deposits$81,571
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,005
Other borrowed funds $0
Subordinated debt $734
All other liabilities $6,722
Total equity capital$6,722
Total bank equity capital$6,722
Perpetual preferred stock$0
Common stock$360
Surplus$420
Undivided profits $5,942
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $233
Income earned, not collected on loans $1,419
Earning assets $0
Long-term assets (5+ years) $711
Average Assets, year-to-date $86,364
Average Assets, quarterly $46,222
Volatile liabilities $89,769
Insider loans $91,369
FHLB advances $51,782
Loans and leases held for sale $91,856
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,740
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,047
Derivatives$1,287
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,800
Total interest expense $819
Net interest income $2,981
Provision for loan and lease losses $186
Total noninterest income $449
Fiduciary activities $1
Service charges on deposit accounts $253
Trading account gains & fees $0
Additional noninterest income $195
Total noninterest expense $2,600
Salaries and employee benefits $1,280
Premises and equipment expense $296
Additional noninterest expense $1,024
Pre-tax net operating income $644
Securities gains (losses) $31
Applicable income taxes $166
Income before extraordinary items $509
Extraordinary gains - net $0
Net income attributable to bank $509
Net charge-offs $0
Cash dividends $509
Sale, conversion, retirement of capital stock, net $190
Net operating income $122
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.55%
Cost of funding earning assets 0.98%
Net interest margin 3.57%
Noninterest income to earning assets 0.54%
Noninterest expense to earning assets 3.11%
Net operating income to assets 0.54%
Return on assets (ROA) 0.57%
Pretax return on assets 0.75%
Return on equity (ROE) 7.81%
Retained earnings to average equity (YTD only) 5.94%
Net charge-offs to loans 0.37%
Credit loss provision to net charge-offs 97.89%
Efficiency ratio4.37%
Assets per employee$75,802
Cash dividends to net income (YTD only)3.88%
Condition Ratios (%)
Loss allowance to loans 23.97%
Loss allowance to noncurrent loans 1.40%
Noncurrent assets plus other real estate owned to assets 47.85%
Noncurrent loans to loans 1.74%
Net loans and leases to deposits2.92%
Net loans and leases to core deposits 58.81%
Equity capital to assets 58.99%
Core capital (leverage) ratio 7.23%
Tier 1 risk-based capital ratio 7.34%
Total risk-based capital ratio 13.02%
Memoranda
Average assets$14
Average earning assets$89,769
Average equity $6,516
Average loans $83,477
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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$2,278
Number of Accounts1
Personal trust and agency accounts$10
Employee benefit-defined contribution accounts$10
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts4
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,268
Corporate trust and agency accounts$0
Other fiduciary accounts$885
Fiduciary accounts held in foreign offices$0
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2 Indiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08882The Home National Bank Of Thorntown117 East Main Street, Thorntown, IN 46071May 31, 1901Full Service Brick and Mortar
1492754Lebanon Branch2510 N Lebanon St, Lebanon, IN 46052December 08, 2008Full Service Brick and Mortar
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