First Home Bank in city_name, state_name - Detailed Financial Reports, Location

First Home Bank in Seminole, Florida (FL)
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First Home Bank routing number info

First Home Bank - Overview

General
FDIC Certificate #: 34997
Status: Active
Federal Reserve ID: 2771694
Bank Holding Company (Regulatory Top Holder): First Home Bancorp, Inc. (RSSDID: 2881650, Location: Seminole, FL)
Date Established: Febuary 12, 1999
WWW: http://www.firsthomebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 73819
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 12, 1999
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: 9190 Seminole Boulevard, Seminole, FL 33772
County: Pinellas
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Tampa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL (#8280)
Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300)
CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $72.5 mil
Equity capital: $4.8 mil
Deposits held in domestic offices: $63.8 mil
Return on assets (ROA): -4.66% (-$3.4 mil)
Quarterly return on assets: -5.38% (-$3.9 mil)
Return on Equity (ROE): -66.70% (-$3.3 mil)
Quarterly return on equity: -75.25% (-$3.8 mil)
Net income: -$3.7 mil
Quarterly Net income: -$1.0 mil
Pretax return on assets: -4.66% (-$3,377.7 mil)
Quarterly Pretax return on assets: -5.38% (-$3,899.6 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
24Total employees (full-time equivalent)
$72,483Total assets
$9,444Cash and due from depository institutions
$8,116Interest-bearing balances
$1,009Securities
$1,000Federal funds sold & reverse repurchase agreements
$55,213Net loans & leases
$1,212Loan loss allowance
$0Trading account assets
$1,832Bank premises and fixed assets
$2,821Other real estate owned
$0Goodwill and other intangibles
$72,483Life insurance assets
$1,164All other assets
$67,696Total liabilities and capital
$63,794Total liabilities
$50,817Total deposits
$63,794Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,750Trading liabilities
$0Other borrowed funds
$152Subordinated debt
$4,787All other liabilities
$4,787Total equity capital
$4,787Total bank equity capital
$0Perpetual preferred stock
$2,677Common stock
$9,611Surplus
$-7,501Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,748Income earned, not collected on loans
$0Earning assets
$210Long-term assets (5+ years)
$65,338Average Assets, year-to-date
$27,985Average Assets, quarterly
$79,365Volatile liabilities
$73,945Insider loans
$53,520FHLB advances
$75,476Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,786Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,701Restructured Loans and leases
$833Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,554Total interest income
$596Total interest expense
$2,958Net interest income
$2,168Provision for loan and lease losses
-$490Total noninterest income
$0Fiduciary activities
$155Service charges on deposit accounts
$0Trading account gains & fees
-$645Additional noninterest income
$4,002Total noninterest expense
$1,859Salaries and employee benefits
$448Premises and equipment expense
$1,695Additional noninterest expense
-$3,702Pre-tax net operating income
$2Securities gains (losses)
$0Applicable income taxes
-$3,700Income before extraordinary items
$0Extraordinary gains - net
-$3,700Net income attributable to bank
$0Net charge-offs
-$3,700Cash dividends
$2,782Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
0.82%Cost of funding earning assets
4.07%Net interest margin
-0.67%Noninterest income to earning assets
5.51%Noninterest expense to earning assets
-4.66%Net operating income to assets
-4.66%Return on assets (ROA)
-4.66%Pretax return on assets
-66.70%Return on equity (ROE)
-66.70%Retained earnings to average equity (YTD only)
4.39%Net charge-offs to loans
77.93%Credit loss provision to net charge-offs
-0.55%Efficiency ratio
162,156Assets per employee
3.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.15%Loss allowance to noncurrent loans
69.34%Noncurrent assets plus other real estate owned to assets
6.30%Noncurrent loans to loans
3.10%Net loans and leases to deposits
86.55%Net loans and leases to core deposits
88.76%Equity capital to assets
6.60%Core capital (leverage) ratio
6.34%Tier 1 risk-based capital ratio
8.94%Total risk-based capital ratio
Memoranda
$10Average assets
$79,365Average earning assets
$5,548Average equity
$72,691Average loans

List of branches

2 Florida Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	73819	First Home Bank	9190 Seminole Boulevard, Seminole, FL 33772	Febuary 12, 1999	Full Service Brick and Mortar
1	444036	Pinellas Park Office	5250 Park Boulevard, Pinellas Park, FL 33781	August 29, 2005	Full Service Brick and Mortar

First Home Bank in Seminole, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Home Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Home Bank in Seminole, Florida (FL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Home Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Home Bank in Seminole, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches