Home Loan Investment Bank, F.S.B.

Home Loan Investment Bank, F.S.B. Locations
1 Home Loan Plaza, Suite 3
Warwick, RI 2886
888-500-6025
www.homeloanbankfsb.com

Home Loan Investment Bank, F.S.B. is headquartered in Warwick and is the 10st largest bank in the state of Rhode Island. It is also the 3,249th largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 86 employees at 3 locations. Home Loan Investment Bank, F.S.B. has a 4-star health rating.

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See Rates for: CD | IRA

Home Loan Investment Bank, F.S.B. CD Rates

ApyMinMaxProduct
1.50%$1k-5 Year CD
1.20%$1k-3 Year CD
1.00%$1k-2 Year CD
0.55%$1k-1 Year CD

Home Loan Investment Bank, F.S.B. IRA Rates

ApyMinMaxProduct
1.50%$1k-5 Year IRA
1.50%$1k-5 Year Roth IRA
1.50%$1k-5 Year SEP IRA
1.20%$1k-3 Year IRA
1.20%$1k-3 Year Roth IRA
1.20%$1k-3 Year SEP IRA
1.00%$1k-2 Year IRA
1.00%$1k-2 Year Roth IRA
1.00%$1k-2 Year SEP IRA
0.55%$1k-1 Year IRA
0.55%$1k-1 Year Roth IRA
0.55%$1k-1 Year SEP IRA

Rates updated: 5/25/2012

Data for Q1 2012


Institution Statistics


Home Loan Investment Bank, F.S.B.
OTS #12504
FDIC Certificate #27417
BankRate ReportView
Year Established1979
Employees86
Primary RegulatorOCC

Assets and Liabilities

Assets$190.08 million
Loans$135.04 million
Deposits$164.24 million
Equity Capital$17.57 million
Loan Loss Allowance$6.11 million
Unbacked Noncurrent Loans$9.27 million
Real Estate Owned$627,000

Historic Data - March 2011

Assets$210.61 million
Equity Capital$19.65 million
Loan Loss Allowance$5.84 million
Unbacked Noncurrent Loans$13.58 million
Real Estate Owned$1.28 million

Profit Margin - Quarterly

Net Interest Margin4.11%
Return on Assets0.21%
Return on Equity2.26%
Interest Income$2.35 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio2
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 Loan Investment Bank, F.S.B. had $9.89 million in non-current loans and owned real-estate with $23.68 million in equity and loan loss allowances on hand to cover it. This gives Home Loan Investment Bank, F.S.B. a Texas Ratio of 41.78% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Home Loan Investment Bank, F.S.B. decreased significantly from 74.26% as of March 31, 2011 to 41.78% as of March 31, 2012, resulting in a positive change of 43.74%.This indicates that the balance sheet and financial strength for Home Loan Investment Bank, F.S.B. has improved significantly in recent periods.
Deposit Growth3
In the past year, Home Loan Investment Bank, F.S.B. has decreased its total deposits by -$1.11 million, resulting in -0.67% 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 Loan Investment Bank, F.S.B. has shown is average.
Capitalization5
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 Loan Investment Bank, F.S.B. has $190.08 million in assets with $23.68 million in equity, resulting in a capitalization level of 12.46%, which is excellent.
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