Home Bank in Lafayette, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Home Bank in Lafayette, Louisiana (LA)
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Home Bank - Overview

  • General
  • FDIC Certificate #: 28094
    Status: Active
    Federal Reserve ID: 929978
    Date Established: January 01, 1908
    WWW: http://www.home24bank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 23 (Domestic: 23, Interstate: No)
    OTS Docket #: 890
    FDIC's unique #: 40928
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Commercial Lending Specialization
    Date of Deposit Insurance: April 05, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 503 Kaliste Saloom, Lafayette, LA 70508
    County: Lafayette
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Lafayette, LA (#29180)
    CBSA Metro Statistical Area: Lafayette, LA (#29180)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $953.5 mil
    Equity capital: $123.0 mil
    Deposits held in domestic offices: $732.8 mil
    Return on assets (ROA): 0.63% ($6.0 mil)
    Quarterly return on assets: 0.88% ($8.4 mil)
    Return on Equity (ROE): 4.38% ($5.4 mil)
    Quarterly return on equity: 6.96% ($8.6 mil)
    Net income: $5.0 mil
    Quarterly Net income: $2.1 mil
    Pretax return on assets: 0.95% ($9,058.0 mil)
    Quarterly Pretax return on assets: 1.32% ($12,585.9 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
  • 238Total employees (full-time equivalent)
  • $953,475Total assets
  • $37,385Cash and due from depository institutions
  • $21,611Interest-bearing balances
  • $149,596Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $666,370Net loans & leases
  • $4,626Loan loss allowance
  • $0Trading account assets
  • $31,598Bank premises and fixed assets
  • $8,872Other real estate owned
  • $3,385Goodwill and other intangibles
  • $953,475Life insurance assets
  • $56,269All other assets
  • $830,477Total liabilities and capital
  • $732,837Total liabilities
  • $602,419Total deposits
  • $732,837Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $93,623Trading liabilities
  • $0Other borrowed funds
  • $4,017Subordinated debt
  • $122,998All other liabilities
  • $122,998Total equity capital
  • $122,998Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $55,499Surplus
  • $67,499Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,198Income earned, not collected on loans
  • $2,084Earning assets
  • $3,543Long-term assets (5+ years)
  • $837,577Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $798,293Volatile liabilities
  • $957,110Insider loans
  • $584,463FHLB advances
  • $948,611Loans and leases held for sale
  • $16,771Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $118,879Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $134,223Restructured Loans and leases
  • $4,676Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,914Total interest income
  • $5,217Total interest expense
  • $32,697Net interest income
  • $1,461Provision for loan and lease losses
  • $6,849Total noninterest income
  • $0Fiduciary activities
  • $1,055Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,794Additional noninterest income
  • $30,351Total noninterest expense
  • $17,843Salaries and employee benefits
  • $5,027Premises and equipment expense
  • $7,481Additional noninterest expense
  • $7,734Pre-tax net operating income
  • -$171Securities gains (losses)
  • $2,560Applicable income taxes
  • $5,003Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,003Net income attributable to bank
  • $0Net charge-offs
  • $5,003Cash dividends
  • $362Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.72%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 4.39%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 4.38%Return on equity (ROE)
  • 4.38%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 403.59%Credit loss provision to net charge-offs
  • 25.40%Efficiency ratio
  • 75,618Assets per employee
  • 4.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.69%Loss allowance to noncurrent loans
  • 37.92%Noncurrent assets plus other real estate owned to assets
  • 2.21%Noncurrent loans to loans
  • 1.82%Net loans and leases to deposits
  • 90.93%Net loans and leases to core deposits
  • 94.84%Equity capital to assets
  • 12.90%Core capital (leverage) ratio
  • 12.53%Tier 1 risk-based capital ratio
  • 20.34%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $798,293Average earning assets
  • $114,229Average equity
  • $692,098Average loans

List of branches

  • 23 Louisiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    040928Home Bank503 Kaliste Saloom, Lafayette, LA 70508January 01, 1908Full Service Brick and Mortar
    12650291020 Coolidge Branch1020 Coolidge, Lafayette, LA 70501January 01, 1908Full Service Brick and Mortar
    2265030Lafayette Branch4202 Johnston Street, Lafayette, LA 70503Febuary 01, 1993Full Service Brick and Mortar
    3265031Jefferson Street Branch523 Jefferson Street, Lafayette, LA 70501Febuary 09, 1996Full Service Brick and Mortar
    543284Crowley Branch204 N Parkerson Ave, Crowley, LA 70526January 01, 1893Full Service Brick and Mortar
    6464114Broussard Branch1219 Albertson Parkway, Broussard, LA 70518June 20, 2007Full Service Brick and Mortar
    7464115Carencro Branch806 Bernard Road, Carencro, LA 70520June 20, 2007Full Service Brick and Mortar
    8464116Scott Branch5543 Cameron Street, Scott, LA 70583June 20, 2007Full Service Brick and Mortar
    9495148Old Jefferson Highway Branch16969 Old Jefferson Highway, Baton Rouge, LA 70817September 23, 2008Full Service Brick and Mortar
    10495150South Glenstone Branch10563 South Glenstone Place, Baton Rouge, LA 70810December 18, 2008Full Service Brick and Mortar
    11495151Ambassador Caffery Branch5028 Ambassador Caffery Parkway, Lafayette, LA 70508September 22, 1998Full Service Brick and Mortar
    13440171Columbia St./Covington Branch1750 North Columbia Street, Covington, LA 70433March 08, 2005Full Service Brick and Mortar
    14441474Highway 21 Branch69291 Highway 21, Covington, LA 70433July 01, 2005Full Service Brick and Mortar
    15452587Folsom Branch82255 Hwy. 25, Folsom, LA 70437December 27, 2005Full Service Brick and Mortar
    16456612North Causeway Branch1305 North Causeway Boulevard, Mandeville, LA 70471October 30, 2006Full Service Brick and Mortar
    17478977Slidell Branch2037 Gause Blvd East, Slidell, LA 70461Febuary 15, 2008Full Service Brick and Mortar
    18491617Abita Springs Branch70591 Highway 59, Abita Springs, LA 70420August 25, 2008Full Service Brick and Mortar
    20522050Corporate Branch5302 Corporate Boulevard, Baton Rouge, LA 70808March 15, 2010Full Service Brick and Mortar
    2142700Metarie Branch3798 Veterans Boulevard, Metairie, LA 70002March 01, 1937Full Service Brick and Mortar
    22277526Canel Street Branch3915 Canal Street, New Orleans, LA 70114March 01, 1937Full Service Brick and Mortar
    23277527Mandeville Branch2111 North Causeway Boulevard, Mandeville, LA 70471May 13, 1996Full Service Brick and Mortar
    24491995Guaranty Savings Bank1800 Manhattan Blvd, Harvey, LA 70058August 01, 2007Full Service Brick and Mortar
    25518307Citrus Blvd Branch5700 Citrus Boulevard, New Orleans, LA 70123October 05, 2009Full Service Brick and Mortar

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