Home State Bank (14867)

Home State Bank (14867) is headquartered in Jefferson and is the 107^th largest bank in the state of Iowa. It is also the 3,540^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 24 employees at 1 location. Home State Bank (14867) has a 5-star health rating.

Home State Bank (14867) CD Rates

Data for Q1 2012

Institution Statistics Home State Bank FDIC Certificate # 14867 BankRate Report View Year Established 1934 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $169.49 million Loans $115.98 million Deposits $148.06 million Equity Capital $15.29 million Loan Loss Allowance $1.46 million Real Estate Owned $672,000 Historic Data - March 2011 Assets $156.97 million Equity Capital $13.80 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $6,000 Real Estate Owned $90,000 Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 1.68% Return on Equity 18.01% Interest Income $1.66 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 State Bank (14867) had $672,000 in non-current loans and owned real-estate with $16.75 million in equity and loan loss allowances on hand to cover it. This gives Home State Bank (14867) a Texas Ratio of 4.01% 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 State Bank (14867) held steady from 0.62% as of March 31, 2011 to 4.01% as of March 31, 2012, resulting in a negative change of 546.79%. This indicates that the balance sheet and financial strength for Home State Bank (14867) has held steady in recent periods. Deposit Growth In the past year, Home State Bank (14867) has increased its total deposits by $11.52 million, resulting in 8.43% 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 State Bank (14867) 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 State Bank (14867) has $169.49 million in assets with $16.75 million in equity, resulting in a capitalization level of 9.88%, which is average.

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