Home State Bank (NE)

218 Main Street
Louisville, NE 68037
(402) 234-2155
www.hsbonline.com

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Home State Bank (NE) is headquartered in Louisville and is the 105^th largest bank in the state of Nebraska. It is also the 5,496^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 19 employees at 1 location. Home State Bank (NE) has a 5-star health rating.

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

Home State Bank (NE) Checking Account Rates

Apy	Min	Max	Product
0.15%	$25k	-	Personal Now Checking Account
0.15%	$25k	-	Business Now Account (Non-Corp)

Home State Bank (NE) Savings Account Rates

	Apy	Min	Max	Product
	0.20%	$25k	-	Savings Account

Home State Bank (NE) Money Market Rates

	Apy	Min	Max	Product
	0.20%	$25k	-	Money Market Savings Account

Home State Bank (NE) CD Rates

Apy	Min	Max	Product
1.76%	$10k	-	60 Month CD
1.26%	$10k	-	48 Month CD
1.05%	$10k	-	36 Month CD
0.90%	$10k	-	30 Month CD
0.90%	$10k	-	30 Month Step-up CD
0.85%	$10k	-	24 Month CD
0.60%	$10k	-	18 Month CD
0.50%	$10k	-	12 Month CD
0.30%	$10k	-	182 Day CD
0.20%	$10k	-	91 Day CD
0.15%	$10k	-	30 Day CD

Home State Bank (NE) IRA Rates

Apy	Min	Max	Product
0.95%	$10k	-	30 Month IRA
0.95%	$10k	-	30 Month Roth IRA
0.90%	$10k	-	24 Month IRA
0.90%	$10k	-	24 Month Roth IRA
0.65%	$10k	-	18 Month IRA
0.65%	$10k	-	18 Month Roth IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Home State Bank
FDIC Certificate #	10650
BankRate Report	View
Year Established	1915
Employees	19
Primary Regulator	FDIC
Assets and Liabilities
Assets	$79.50 million
Loans	$57.21 million
Deposits	$57.20 million
Equity Capital	$10.15 million
Loan Loss Allowance	$1.06 million
Historic Data - March 2011
Assets	$82.49 million
Equity Capital	$10.26 million
Loan Loss Allowance	$1.14 million
Unbacked Noncurrent Loans	$1.39 million
Profit Margin - Quarterly
Net Interest Margin	5.29%
Return on Assets	2.51%
Return on Equity	19.7%
Interest Income	$1.15 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 (NE) had $0 in non-current loans and owned real-estate with $11.2 million in equity and loan loss allowances on hand to cover it. This gives Home State Bank (NE) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Home State Bank (NE) has decreased its total deposits by -$2.37 million, resulting in -3.97% 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 (NE) 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 State Bank (NE) has $79.5 million in assets with $11.2 million in equity, resulting in a capitalization level of 14.09%, which is excellent.

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