Home Banking Company

Home Banking Company is headquartered in Selmer and is the 165^th largest bank in the state of Tennessee. It is also the 5,512^st largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 25 employees at 4 locations. Home Banking Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Home Banking Company FDIC Certificate # 9196 BankRate Report View Year Established 1915 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $79.14 million Loans $30.34 million Deposits $70.84 million Equity Capital $7.51 million Loan Loss Allowance $511,000 Unbacked Noncurrent Loans $83,000 Real Estate Owned $35,000 Historic Data - March 2011 Assets $69.74 million Equity Capital $6.85 million Loan Loss Allowance $500,000 Unbacked Noncurrent Loans $127,000 Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.48% Return on Equity 4.99% Interest Income $787,000

Institution Health Overall Score: 5 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 Banking Company had $118,000 in non-current loans and owned real-estate with $8.02 million in equity and loan loss allowances on hand to cover it. This gives Home Banking Company a Texas Ratio of 1.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Home Banking Company decreased significantly from 3.02% as of March 31, 2011 to 1.47% as of March 31, 2012, resulting in a positive change of 51.31%.This indicates that the balance sheet and financial strength for Home Banking Company has improved significantly in recent periods. Deposit Growth In the past year, Home Banking Company has increased its total deposits by $8.7 million, resulting in 13.99% 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 Banking Company 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 Banking Company has $79.14 million in assets with $8.02 million in equity, resulting in a capitalization level of 10.14%, which is above average.

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