HomeBank @

HomeBank @ is headquartered in Seagoville and is the 379^th largest bank in the state of Texas. It is also the 4,675^th largest bank in the nation. It was established in 1952 and as of March of 2012, it had grown to 33 employees at 4 locations. HomeBank @ has a 3-star health rating.

Data for Q1 2012

Institution Statistics HomeBank Texas FDIC Certificate # 17094 BankRate Report View Year Established 1952 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $111.71 million Loans $58.57 million Deposits $100.77 million Equity Capital $10.57 million Loan Loss Allowance $770,000 Unbacked Noncurrent Loans $591,000 Real Estate Owned $3.13 million Historic Data - March 2011 Assets $105.28 million Equity Capital $10.70 million Loan Loss Allowance $682,000 Unbacked Noncurrent Loans $444,000 Real Estate Owned $3.25 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 0.06% Return on Equity 0.61% Interest Income $1.14 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 March 31, 2012 HomeBank @ had $3.72 million in non-current loans and owned real-estate with $11.34 million in equity and loan loss allowances on hand to cover it. This gives HomeBank @ a Texas Ratio of 32.80% 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 HomeBank @ held steady from 32.47% as of March 31, 2011 to 32.80% as of March 31, 2012, resulting in a negative change of 1.02%. This indicates that the balance sheet and financial strength for HomeBank @ has held steady in recent periods. Deposit Growth In the past year, HomeBank @ has increased its total deposits by $6.81 million, resulting in 7.25% 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 HomeBank @ 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. HomeBank @ has $111.7 million in assets with $11.34 million in equity, resulting in a capitalization level of 10.16%, which is above average.

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