Home Exchange Bank

Home Exchange Bank is headquartered in Jamesport and is the 189^th largest bank in the state of Missouri. It is also the 4,881^st largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 23 employees at 3 locations. Home Exchange Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Home Exchange Bank FDIC Certificate # 8884 BankRate Report View Year Established 1925 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $102.71 million Loans $40.32 million Deposits $82.91 million Equity Capital $12.67 million Loan Loss Allowance $2.60 million Unbacked Noncurrent Loans $1.74 million Historic Data - March 2011 Assets $96.83 million Equity Capital $9.13 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $2.04 million Real Estate Owned $269,000 Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets 1.44% Return on Equity 11.54% Interest Income $1.03 million

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 Exchange Bank had $1.74 million in non-current loans and owned real-estate with $15.26 million in equity and loan loss allowances on hand to cover it. This gives Home Exchange Bank a Texas Ratio of 11.37% 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 Exchange Bank decreased significantly from 20.22% as of March 31, 2011 to 11.37% as of March 31, 2012, resulting in a positive change of 43.79%.This indicates that the balance sheet and financial strength for Home Exchange Bank has improved significantly in recent periods. Deposit Growth In the past year, Home Exchange Bank has increased its total deposits by $2.24 million, resulting in 2.77% 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 Exchange Bank 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 Exchange Bank has $102.71 million in assets with $15.26 million in equity, resulting in a capitalization level of 14.86%, which is excellent.

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