Home State Bank

Home State Bank is headquartered in Loveland and is the 14^st largest bank in the state of Colorado. It is also the 1,129^th largest bank in the nation. It was established in 1950 and as of September of 2011, it had grown to 180 employees at 10 locations. Home State Bank has a 3-star health rating.

Home State Bank Routing Number: 107004776

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Data for Q3 2011

Institution Statistics The Home State Bank FDIC Certificate # 16902 BankRate Report View Year Established 1950 Employees 180 Primary Regulator FDIC Assets and Liabilities Assets $590.09 million Loans $335.60 million Deposits $512.84 million Equity Capital $56.42 million Loan Loss Allowance $8.91 million Unbacked Noncurrent Loans $16.91 million Real Estate Owned $11.11 million Historic Data - September 2010 Assets $553.25 million Equity Capital $54.27 million Loan Loss Allowance $8.84 million Unbacked Noncurrent Loans $24.17 million Real Estate Owned $7.54 million Profit Margin - Quarterly Net Interest Margin 3.73% Return on Assets 0.2% Return on Equity 2.1% Interest Income $17.46 million

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 September 30, 2011 Home State Bank had $28.02 million in non-current loans and owned real-estate with $65.32 million in equity and loan loss allowances on hand to cover it. This gives Home State Bank a Texas Ratio of 42.89% which is below 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 held steady from 50.23% as of September 30, 2010 to 42.89% as of September 30, 2011, resulting in a positive change of 14.62%.This indicates that the balance sheet and financial strength for Home State Bank has held steady in recent periods. Deposit Growth In the past year, Home State Bank has increased its total deposits by $32.88 million, resulting in 6.85% 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 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 has $590.09 million in assets with $65.32 million in equity, resulting in a capitalization level of 11.07%, which is above average.

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