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
    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
  • 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

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