Home Bank SB

Home Bank SB is headquartered in Martinsville and is the 62^nd largest bank in the state of Indiana. It is also the 2,758^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 60 employees at 3 locations. Home Bank SB has a 4-star health rating.

Home Bank SB Routing Number: 274970649

Data for Q1 2012

Institution Statistics Home Bank SB OTS # 04255 FDIC Certificate # 29881 BankRate Report View Year Established 1890 Employees 60 Primary Regulator OCC Assets and Liabilities Assets $232.02 million Loans $162.11 million Deposits $169.45 million Equity Capital $30.22 million Loan Loss Allowance $2.64 million Unbacked Noncurrent Loans $7.50 million Real Estate Owned $2.19 million Historic Data - March 2011 Assets $230.84 million Equity Capital $28.75 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $9.26 million Real Estate Owned $3.21 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.69% Return on Equity 5.33% Interest Income $2.42 million

Institution Health Overall Score: 4 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 SB had $9.68 million in non-current loans and owned real-estate with $32.86 million in equity and loan loss allowances on hand to cover it. This gives Home Bank SB a Texas Ratio of 29.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Home Bank SB decreased slightly from 40.51% as of March 31, 2011 to 29.46% as of March 31, 2012, resulting in a positive change of 27.27%.This indicates that the balance sheet and financial strength for Home Bank SB has improved slightly in recent periods. Deposit Growth In the past year, Home Bank SB has increased its total deposits by $2.29 million, resulting in 1.37% 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 SB has shown is above average. 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 SB has $232.02 million in assets with $32.86 million in equity, resulting in a capitalization level of 14.16%, which is excellent.

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