The Hometown Bank of Alabama in Oneonta, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Hometown Bank of Alabama - Overview

  • General
  • FDIC Certificate #: 57540
    Status: Active
    Federal Reserve ID: 3217331
    Bank Holding Company (Regulatory Top Holder): Hometown Bancorp Of Alabama, Inc. (RSSDID: 3451603, Location: Oneonta, AL)
    Date Established: October 20, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 365306
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 20, 2003
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2002 2nd Avenue, East, Oneonta, AL 35121
    County: Blount
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Birmingham, AL (#1000)
    Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
    Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
    CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $283.9 mil
    Equity capital: $26.9 mil
    Deposits held in domestic offices: $246.4 mil
    Return on assets (ROA): 0.99% ($2.8 mil)
    Quarterly return on assets: 0.90% ($2.6 mil)
    Return on Equity (ROE): 10.90% ($2.9 mil)
    Quarterly return on equity: 9.52% ($2.6 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.37% ($3,888.9 mil)
    Quarterly Pretax return on assets: 0.87% ($2,469.6 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
  • 52Total employees (full-time equivalent)
  • $283,858Total assets
  • $19,433Cash and due from depository institutions
  • $593Interest-bearing balances
  • $110,050Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $143,497Net loans & leases
  • $3,675Loan loss allowance
  • $0Trading account assets
  • $4,743Bank premises and fixed assets
  • $2,214Other real estate owned
  • $0Goodwill and other intangibles
  • $283,858Life insurance assets
  • $3,921All other assets
  • $256,954Total liabilities and capital
  • $246,418Total liabilities
  • $225,604Total deposits
  • $246,418Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $536Subordinated debt
  • $26,904All other liabilities
  • $26,904Total equity capital
  • $26,904Total bank equity capital
  • $0Perpetual preferred stock
  • $422Common stock
  • $15,808Surplus
  • $10,674Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,828Income earned, not collected on loans
  • $1,423Earning assets
  • $1,605Long-term assets (5+ years)
  • $254,140Average Assets, year-to-date
  • $132,643Average Assets, quarterly
  • $275,667Volatile liabilities
  • $284,944Insider loans
  • $156,810FHLB advances
  • $282,364Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,897Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,912Restructured Loans and leases
  • $244Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,756Total interest income
  • $4,327Total interest expense
  • $9,429Net interest income
  • $1,799Provision for loan and lease losses
  • $2,136Total noninterest income
  • $0Fiduciary activities
  • $1,589Service charges on deposit accounts
  • $0Trading account gains & fees
  • $547Additional noninterest income
  • $6,274Total noninterest expense
  • $3,159Salaries and employee benefits
  • $741Premises and equipment expense
  • $2,374Additional noninterest expense
  • $3,492Pre-tax net operating income
  • $285Securities gains (losses)
  • $1,040Applicable income taxes
  • $2,737Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,737Net income attributable to bank
  • $0Net charge-offs
  • $2,737Cash dividends
  • $695Sale, conversion, retirement of capital stock, net
  • $423Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.73%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 10.90%Return on equity (ROE)
  • 9.22%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 258.85%Credit loss provision to net charge-offs
  • 7.61%Efficiency ratio
  • 54,250Assets per employee
  • 5.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.45%Loss allowance to loans
  • 2.50%Loss allowance to noncurrent loans
  • 76.12%Noncurrent assets plus other real estate owned to assets
  • 2.48%Noncurrent loans to loans
  • 3.28%Net loans and leases to deposits
  • 58.23%Net loans and leases to core deposits
  • 65.42%Equity capital to assets
  • 9.48%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 16.51%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $275,667Average earning assets
  • $25,106Average equity
  • $249,594Average loans

List of branches

  • 3 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0365306The Hometown Bank Of Alabama2002 2nd Avenue, East, Oneonta, AL 35121October 20, 2003Full Service Brick and Mortar
    1466483Pinson Branch6840 Highway 79, Pinson, AL 35126June 06, 2007Full Service Brick and Mortar
    2499505Snead Branch87672 Us Highway 278, Snead, AL 35952December 01, 2009Full Service Brick and Mortar

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