Home Bank

Home Bank is headquartered in Lafayette and is the 8^th largest bank in the state of Louisiana. It is also the 677^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 250 employees at 23 locations. Home Bank has a 4-star health rating.

Home Bank Routing Number: 265270303

Data for Q1 2012

Institution Statistics Home Bank OTS # 00890 FDIC Certificate # 28094 BankRate Report View Year Established 1908 Employees 250 Primary Regulator OCC Assets and Liabilities Assets $970.85 million Loans $674.63 million Deposits $740.12 million Equity Capital $126.26 million Loan Loss Allowance $5.81 million Unbacked Noncurrent Loans $12.03 million Real Estate Owned $2.60 million Historic Data - March 2011 Assets $686.96 million Equity Capital $109.12 million Loan Loss Allowance $3.63 million Unbacked Noncurrent Loans $257,000 Real Estate Owned $5.33 million Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 0.85% Return on Equity 6.57% Interest Income $11.25 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 had $14.63 million in non-current loans and owned real-estate with $132.07 million in equity and loan loss allowances on hand to cover it. This gives Home Bank a Texas Ratio of 11.07% which is above 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 increased slightly from 5.48% as of March 31, 2011 to 11.07% as of March 31, 2012, resulting in a negative change of 102.04%. This indicates that the balance sheet and financial strength for Home Bank has declined slightly in recent periods. Deposit Growth In the past year, Home Bank has increased its total deposits by $186.85 million, resulting in 33.77% 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 has shown is excellent. 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 has $970.85 million in assets with $132.07 million in equity, resulting in a capitalization level of 13.60%, which is excellent.

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