The Home National Bank of Thorntown in Thorntown, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Home National Bank of Thorntown - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 24Total employees (full-time equivalent)
  • $93,032Total assets
  • $2,874Cash and due from depository institutions
  • $100Interest-bearing balances
  • $36,843Securities
  • $1,447Federal funds sold & reverse repurchase agreements
  • $47,974Net loans & leases
  • $679Loan loss allowance
  • $0Trading account assets
  • $2,284Bank premises and fixed assets
  • $198Other real estate owned
  • $0Goodwill and other intangibles
  • $93,032Life insurance assets
  • $1,412All other assets
  • $86,310Total liabilities and capital
  • $81,571Total liabilities
  • $68,022Total deposits
  • $81,571Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,005Trading liabilities
  • $0Other borrowed funds
  • $734Subordinated debt
  • $6,722All other liabilities
  • $6,722Total equity capital
  • $6,722Total bank equity capital
  • $0Perpetual preferred stock
  • $360Common stock
  • $420Surplus
  • $5,942Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $233Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,419Income earned, not collected on loans
  • $0Earning assets
  • $711Long-term assets (5+ years)
  • $86,364Average Assets, year-to-date
  • $46,222Average Assets, quarterly
  • $89,769Volatile liabilities
  • $91,369Insider loans
  • $51,782FHLB advances
  • $91,856Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,740Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,047Restructured Loans and leases
  • $1,287Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,800Total interest income
  • $819Total interest expense
  • $2,981Net interest income
  • $186Provision for loan and lease losses
  • $449Total noninterest income
  • $1Fiduciary activities
  • $253Service charges on deposit accounts
  • $0Trading account gains & fees
  • $195Additional noninterest income
  • $2,600Total noninterest expense
  • $1,280Salaries and employee benefits
  • $296Premises and equipment expense
  • $1,024Additional noninterest expense
  • $644Pre-tax net operating income
  • $31Securities gains (losses)
  • $166Applicable income taxes
  • $509Income before extraordinary items
  • $0Extraordinary gains - net
  • $509Net income attributable to bank
  • $0Net charge-offs
  • $509Cash dividends
  • $190Sale, conversion, retirement of capital stock, net
  • $122Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 7.81%Return on equity (ROE)
  • 5.94%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 97.89%Credit loss provision to net charge-offs
  • 4.37%Efficiency ratio
  • 75,802Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.97%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 47.85%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 2.92%Net loans and leases to deposits
  • 58.81%Net loans and leases to core deposits
  • 58.99%Equity capital to assets
  • 7.23%Core capital (leverage) ratio
  • 7.34%Tier 1 risk-based capital ratio
  • 13.02%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $89,769Average earning assets
  • $6,516Average equity
  • $83,477Average 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
  • $2,278Managed Assets
  • 1Number of Accounts
  • $10Personal trust and agency accounts
  • $10Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,268Other retirement accounts
  • $0Corporate trust and agency accounts
  • $885Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Home National Bank of Thorntown.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents