Home State Bank (MN)

Home State Bank (MN) is headquartered in Litchfield and is the 138^th largest bank in the state of Minnesota. It is also the 4,277^th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 40 employees at 5 locations. Home State Bank (MN) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Home State Bank FDIC Certificate # 9745 BankRate Report View Year Established 1926 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $128.85 million Loans $71.72 million Deposits $98.70 million Equity Capital $15.12 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $184,000 Real Estate Owned $2.38 million Historic Data - March 2011 Assets $119.51 million Equity Capital $13.29 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $1.38 million Real Estate Owned $2.31 million Profit Margin - Quarterly Net Interest Margin 4.52% Return on Assets 1.02% Return on Equity 8.65% Interest Income $1.49 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 (MN) had $2.56 million in non-current loans and owned real-estate with $16.62 million in equity and loan loss allowances on hand to cover it. This gives Home State Bank (MN) a Texas Ratio of 15.41% 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 State Bank (MN) decreased significantly from 25.69% as of March 31, 2011 to 15.41% as of March 31, 2012, resulting in a positive change of 40.02%.This indicates that the balance sheet and financial strength for Home State Bank (MN) has improved significantly in recent periods. Deposit Growth In the past year, Home State Bank (MN) has increased its total deposits by $8.51 million, resulting in 9.43% 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 (MN) 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 (MN) has $128.85 million in assets with $16.62 million in equity, resulting in a capitalization level of 12.90%, which is excellent.

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