FDIC Certificate #: 35156 Status: Active Federal Reserve ID: 2911986 Bank Holding Company (Regulatory Top Holder): Hometown Financial Services, Inc. (RSSDID: 3089332, Location: Longview, WA) Date Established: May 15, 2000 WWW:http://www.hometownnational.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 75153 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: Commercial Lending Specialization Date of Deposit Insurance: May 15, 2000 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: 970 14th Avenue, Longview, WA 98632 County: Cowlitz Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Portland Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Longview, WA (#31020) CBSA Metro Statistical Area: Longview, WA (#31020)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.7 mil Equity capital: $0.6 mil Deposits held in domestic offices: $18.0 mil Return on assets (ROA): -2.43% (-$0.5 mil) Quarterly return on assets: -2.52% (-$0.5 mil) Return on Equity (ROE): -55.73% (-$0.6 mil) Quarterly return on equity: -67.58% (-$0.7 mil) Net income: -$0.5 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -2.43% (-$453.7 mil) Quarterly Pretax return on assets: -2.52% (-$470.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$18,669Total assets
$7,487Cash and due from depository institutions
$7,329Interest-bearing balances
$1,037Securities
$0Federal funds sold & reverse repurchase agreements
$9,392Net loans & leases
$1,013Loan loss allowance
$0Trading account assets
$49Bank premises and fixed assets
$479Other real estate owned
$0Goodwill and other intangibles
$18,669Life insurance assets
$225All other assets
$18,037Total liabilities and capital
$17,964Total liabilities
$11,812Total deposits
$17,964Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$73Subordinated debt
$632All other liabilities
$632Total equity capital
$632Total bank equity capital
$0Perpetual preferred stock
$1,520Common stock
$2,453Surplus
$-3,341Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,723Income earned, not collected on loans
$0Earning assets
$41Long-term assets (5+ years)
$17,758Average Assets, year-to-date
$77Average Assets, quarterly
$19,542Volatile liabilities
$18,582Insider loans
$9,278FHLB advances
$17,240Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$611Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$524Restructured Loans and leases
$275Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,021Total interest income
$195Total interest expense
$826Net interest income
$0Provision for loan and lease losses
$83Total noninterest income
$0Fiduciary activities
$16Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$1,410Total noninterest expense
$715Salaries and employee benefits
$178Premises and equipment expense
$517Additional noninterest expense
-$501Pre-tax net operating income
$26Securities gains (losses)
$0Applicable income taxes
-$475Income before extraordinary items
$0Extraordinary gains - net
-$475Net income attributable to bank
$0Net charge-offs
-$475Cash dividends
$75Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.45%Yield on earning assets
1.04%Cost of funding earning assets
4.41%Net interest margin
0.44%Noninterest income to earning assets
7.53%Noninterest expense to earning assets
-2.56%Net operating income to assets
-2.43%Return on assets (ROA)
-2.43%Pretax return on assets
-55.73%Return on equity (ROE)
-55.73%Retained earnings to average equity (YTD only)
0.55%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-6.68%Efficiency ratio
155,116Assets per employee
2.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
9.74%Loss allowance to noncurrent loans
58.79%Noncurrent assets plus other real estate owned to assets
11.79%Noncurrent loans to loans
16.56%Net loans and leases to deposits
52.28%Net loans and leases to core deposits
54.56%Equity capital to assets
3.39%Core capital (leverage) ratio
3.54%Tier 1 risk-based capital ratio
6.59%Total risk-based capital ratio
Memoranda
$8Average assets
$19,542Average earning assets
$852Average equity
$18,725Average loans
List of branches
1 Washington Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
75153
Hometown National Bank
970 14th Avenue, Longview, WA 98632
May 15, 2000
Full Service Brick and Mortar
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