Homeland Federal Savings Bank

Homeland Federal Savings Bank is headquartered in Columbia and is the 79^th largest bank in the state of Louisiana. It is also the 3,808^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 41 employees at 2 locations. Homeland Federal Savings Bank has a 4-star health rating.

Homeland Federal Savings Bank Routing Number: 311193059

Data for Q1 2012

Institution Statistics Homeland Federal Savings Bank OTS # 08286 FDIC Certificate # 32459 BankRate Report View Year Established 1986 Employees 41 Primary Regulator OCC Assets and Liabilities Assets $154.03 million Loans $105.30 million Deposits $132.42 million Equity Capital $15.29 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $1.08 million Historic Data - March 2011 Assets $142.32 million Equity Capital $14.03 million Loan Loss Allowance $2.02 million Unbacked Noncurrent Loans $2.75 million Real Estate Owned $495,000 Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 1.99% Return on Equity 19.56% Interest Income $2.25 million

Institution Health Overall Score: 4 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 Homeland Federal Savings Bank had $3.83 million in non-current loans and owned real-estate with $17.66 million in equity and loan loss allowances on hand to cover it. This gives Homeland Federal Savings Bank a Texas Ratio of 21.70% 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 Homeland Federal Savings Bank held steady from 20.23% as of March 31, 2011 to 21.70% as of March 31, 2012, resulting in a negative change of 7.26%. This indicates that the balance sheet and financial strength for Homeland Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Homeland Federal Savings Bank has increased its total deposits by $9.2 million, resulting in 7.47% 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 Homeland Federal Savings 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. Homeland Federal Savings Bank has $154.02 million in assets with $17.66 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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