The Hometown Bank of Alabama in Oneonta, Alabama (AL)



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The Hometown Bank of Alabama routing number info

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The Hometown Bank of Alabama
GeneralFDIC 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
WWW: http://www.hometownbankal.com
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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)52
Total assets$283,858
Cash and due from depository institutions$19,433
Interest-bearing balances$593
Securities$110,050
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$143,497
Loan loss allowance $3,675
Trading account assets$0
Bank premises and fixed assets$4,743
Other real estate owned$2,214
Goodwill and other intangibles$0
All other assets$3,921
Life insurance assets$283,858
Total liabilities and capital$256,954
Total liabilities$246,418
Total deposits$225,604
Interest-bearing deposits$246,418
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $536
All other liabilities $26,904
Total equity capital$26,904
Total bank equity capital$26,904
Perpetual preferred stock$0
Common stock$422
Surplus$15,808
Undivided profits $10,674
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 $4,828
Earning assets $1,423
Long-term assets (5+ years) $1,605
Average Assets, year-to-date $254,140
Average Assets, quarterly $132,643
Volatile liabilities $275,667
Insider loans $284,944
FHLB advances $156,810
Loans and leases held for sale $282,364
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,897
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,912
Derivatives$244
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,756
Total interest expense $4,327
Net interest income $9,429
Provision for loan and lease losses $1,799
Total noninterest income $2,136
Fiduciary activities $0
Service charges on deposit accounts $1,589
Trading account gains & fees $0
Additional noninterest income $547
Total noninterest expense $6,274
Salaries and employee benefits $3,159
Premises and equipment expense $741
Additional noninterest expense $2,374
Pre-tax net operating income $3,492
Securities gains (losses) $285
Applicable income taxes $1,040
Income before extraordinary items $2,737
Extraordinary gains - net $0
Net income attributable to bank $2,737
Net charge-offs $0
Cash dividends $2,737
Sale, conversion, retirement of capital stock, net $695
Net operating income $423
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.51%
Cost of funding earning assets 1.73%
Net interest margin 3.78%
Noninterest income to earning assets 0.86%
Noninterest expense to earning assets 2.51%
Net operating income to assets 0.92%
Return on assets (ROA) 0.99%
Pretax return on assets 1.37%
Return on equity (ROE) 10.90%
Retained earnings to average equity (YTD only) 9.22%
Net charge-offs to loans 0.48%
Credit loss provision to net charge-offs 258.85%
Efficiency ratio7.61%
Assets per employee$54,250
Cash dividends to net income (YTD only)5.46%
Condition Ratios (%)
Loss allowance to loans 15.45%
Loss allowance to noncurrent loans 2.50%
Noncurrent assets plus other real estate owned to assets 76.12%
Noncurrent loans to loans 2.48%
Net loans and leases to deposits3.28%
Net loans and leases to core deposits 58.23%
Equity capital to assets 65.42%
Core capital (leverage) ratio 9.48%
Tier 1 risk-based capital ratio 9.17%
Total risk-based capital ratio 16.51%
Memoranda
Average assets$18
Average earning assets$275,667
Average equity $25,106
Average loans $249,594
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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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