Home National Bank

209 Third Street
Racine, OH 45771
740-949-2210
www.homenatlbank.com

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Home National Bank is headquartered in Racine and is the 187^th largest bank in the state of Ohio. It is also the 5,750^th largest bank in the nation. It was established in 1910 and as of March of 2013, it had grown to 22 employees at 2 locations. Home National Bank has a 3-star health rating.

Home National Bank Routing Number: 044208512

3.20% 5-Year Jumbo CD At Home National Bank In Ohio (Forum) - 7/8/2010

Home National Bank's 5-year CDs are their most competitive CDs: 3.20% APY 5-year CD, minimum $100,000 3.00% APY 5-year CD, minimum ? 2.80% APY 5-year CD with a one-time bump option, minimum ? These are listed in the bank's rate sheet as of 7/8/2010

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See Rates for: Checking | Savings | Money Market | CD | IRA

Home National Bank Checking Account Rates

Apy	Min	Max	Product
0.25%	$150k	-	Gold Club Checking
0.10%	$10k	$50k	Premium Account Checking

Home National Bank Savings Account Rates

	Apy	Min	Max	Product
	0.05%	$25	-	Passbook Savings

Home National Bank Money Market Rates

	Apy	Min	Max	Product
	0.15%	$1,500	-	Money Market Savings

Home National Bank CD Rates

Apy	Min	Max	Product
0.87%	$100k	-	60 Month CD
0.52%	$100k	-	36-59 Month CD
0.37%	$100k	-	24-35 Month CD
0.27%	$100k	-	12 Month CD
0.20%	-	$100k	12-23 Month CD
0.15%	-	-	4 Month CD Special
0.15%	-	-	5 Month CD Special
0.15%	-	-	7 Month CD Special
0.10%	-	$100k	1-5 Month CD
0.10%	-	$100k	6-11 Month CD

Home National Bank IRA Rates

Apy	Min	Max	Product
0.87%	$100k	-	60 Month IRA
0.87%	$100k	-	60 Month Roth IRA
0.52%	$100k	-	36-59 Month IRA
0.52%	$100k	-	36-59 Month Roth IRA
0.37%	$100k	-	24-35 Month IRA
0.37%	$100k	-	24-35 Month Roth IRA
0.27%	$100k	-	12 Month IRA
0.27%	$100k	-	12 Month Roth IRA
0.20%	-	$100k	12-23 Month IRA
0.20%	-	$100k	12-23 Month Roth IRA
0.10%	-	$100k	1-5 Month IRA
0.10%	-	$100k	6-11 Month IRA
0.10%	-	$100k	1-5 Month Roth IRA
0.10%	-	$100k	6-11 Month Roth IRA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

Home National Bank
FDIC Certificate #	6680
BankRate Report	View
Year Established	1910
Employees	22
Primary Regulator	OCC
Assets and Liabilities
Assets	$65.42 million
Loans	$43.32 million
Deposits	$55.93 million
Equity Capital	$7.98 million
Loan Loss Allowance	$785,000
Unbacked Noncurrent Loans	$1.92 million
Real Estate Owned	$90,000
Historic Data - March 2012
Assets	$66.33 million
Equity Capital	$7.90 million
Loan Loss Allowance	$639,000
Unbacked Noncurrent Loans	$1.29 million
Real Estate Owned	$138,000
Profit Margin - Quarterly
Net Interest Margin	4.64%
Return on Assets	0.95%
Return on Equity	7.83%
Interest Income	$868,000

Institution Health

Overall Score:

3 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, 2013 Home National Bank had $2.01 million in non-current loans and owned real-estate with $8.77 million in equity and loan loss allowances on hand to cover it. This gives Home National Bank a Texas Ratio of 22.89% 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 National Bank increased slightly from 16.67% as of March 31, 2012 to 22.89% as of March 31, 2013, resulting in a negative change of 37.28%. This indicates that the balance sheet and financial strength for Home National Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Home National Bank has decreased its total deposits by -$1.95 million, resulting in -3.38% 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 National Bank has shown is below 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 National Bank has $65.42 million in assets with $8.77 million in equity, resulting in a capitalization level of 13.40%, which is excellent.