Home Bank of Arkansas

Home Bank of Arkansas is headquartered in Portland and is the 109^th largest bank in the state of Arkansas. It is also the 5,761^st largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 34 employees at 6 locations. Home Bank of Arkansas has a 1-star health rating.

Data for Q1 2012

Institution Statistics Home Bank of Arkansas FDIC Certificate # 5629 BankRate Report View Year Established 1908 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $70.39 million Loans $54.83 million Deposits $63.06 million Equity Capital $7.15 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $4.57 million Real Estate Owned $3.96 million Historic Data - March 2011 Assets $75.73 million Equity Capital $7.08 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $3.37 million Real Estate Owned $2.64 million Profit Margin - Quarterly Net Interest Margin 5.46% Return on Assets 0.21% Return on Equity 2.07% Interest Income $964,000

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Home Bank of Arkansas had $8.53 million in non-current loans and owned real-estate with $8.23 million in equity and loan loss allowances on hand to cover it. This gives Home Bank of Arkansas a Texas Ratio of 103.67% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Home Bank of Arkansas increased slightly from 73.46% as of March 31, 2011 to 103.67% as of March 31, 2012, resulting in a negative change of 41.12%. This indicates that the balance sheet and financial strength for Home Bank of Arkansas has declined slightly in recent periods. Deposit Growth In the past year, Home Bank of Arkansas has decreased its total deposits by -$5.38 million, resulting in -7.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Bank of Arkansas has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Bank of Arkansas has $70.39 million in assets with $8.23 million in equity, resulting in a capitalization level of 11.69%, which is above average.

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