FDIC Certificate #: 963 Status: Active Federal Reserve ID: 60545 Bank Holding Company (Regulatory Top Holder): Htb, Inc. (RSSDID: 1427033, Location: Osage, IA) Date Established: December 01, 1899 WWW:http://www.hometrustbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 631 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 628 Main Street, Osage, IA 50461 County: Mitchell Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Des Moines Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $206.7 mil Equity capital: $20.5 mil Deposits held in domestic offices: $179.4 mil Return on assets (ROA): 1.42% ($2.9 mil) Quarterly return on assets: 1.48% ($3.1 mil) Return on Equity (ROE): 14.81% ($3.0 mil) Quarterly return on equity: 14.89% ($3.0 mil) Net income: $2.8 mil Quarterly Net income: $0.8 mil Pretax return on assets: 1.49% ($3,079.4 mil) Quarterly Pretax return on assets: 1.55% ($3,203.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$206,674Total assets
$6,434Cash and due from depository institutions
$97Interest-bearing balances
$92,956Securities
$0Federal funds sold & reverse repurchase agreements
$104,926Net loans & leases
$959Loan loss allowance
$0Trading account assets
$60Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$206,674Life insurance assets
$2,298All other assets
$186,191Total liabilities and capital
$179,436Total liabilities
$162,082Total deposits
$179,436Interest-bearing deposits
$90Deposits held in domestic offices
3893.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,200Trading liabilities
$0Other borrowed funds
$662Subordinated debt
$20,483All other liabilities
$20,483Total equity capital
$20,483Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$3,800Surplus
$16,483Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$528Income earned, not collected on loans
$0Earning assets
$1,557Long-term assets (5+ years)
$197,979Average Assets, year-to-date
$29,207Average Assets, quarterly
$194,648Volatile liabilities
$203,452Insider loans
$114,528FHLB advances
$199,597Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,292Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$33,739Restructured Loans and leases
$1,024Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,659Total interest income
$2,567Total interest expense
$5,092Net interest income
$154Provision for loan and lease losses
$118Total noninterest income
$14Fiduciary activities
$84Service charges on deposit accounts
$0Trading account gains & fees
$20Additional noninterest income
$2,155Total noninterest expense
$1,351Salaries and employee benefits
$68Premises and equipment expense
$736Additional noninterest expense
$2,901Pre-tax net operating income
$0Securities gains (losses)
$143Applicable income taxes
$2,758Income before extraordinary items
$0Extraordinary gains - net
$2,758Net income attributable to bank
$0Net charge-offs
$2,758Cash dividends
$4Sale, conversion, retirement of capital stock, net
$882Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.10%Yield on earning assets
1.37%Cost of funding earning assets
2.73%Net interest margin
0.06%Noninterest income to earning assets
1.15%Noninterest expense to earning assets
1.42%Net operating income to assets
1.42%Return on assets (ROA)
1.49%Pretax return on assets
14.81%Return on equity (ROE)
10.07%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
3850.00%Credit loss provision to net charge-offs
763.75%Efficiency ratio
41,363Assets per employee
13.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.98%Loss allowance to loans
0.91%Loss allowance to noncurrent loans
181.63%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.50%Net loans and leases to deposits
58.48%Net loans and leases to core deposits
62.31%Equity capital to assets
9.91%Core capital (leverage) ratio
8.16%Tier 1 risk-based capital ratio
14.23%Total risk-based capital ratio
Memoranda
$15Average assets
$194,648Average earning assets
$18,622Average equity
$186,858Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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