HomeStar Bank and Financial Services

HomeStar Bank and Financial Services is headquartered in Manteno and is the 116^st largest bank in the state of Illinois. It is also the 1,793^rd largest bank in the nation. It was established in 1946 and as of March of 2012, it had grown to 125 employees at 5 locations. HomeStar Bank and Financial Services has a 1-star health rating.

Data for Q1 2012

Institution Statistics HomeStar Bank and Financial Services FDIC Certificate # 16375 BankRate Report View Year Established 1946 Employees 125 Primary Regulator FDIC Assets and Liabilities Assets $372.01 million Loans $208.53 million Deposits $336.78 million Equity Capital $14.70 million Loan Loss Allowance $8.66 million Unbacked Noncurrent Loans $22.02 million Real Estate Owned $3.35 million Historic Data - March 2011 Assets $398.81 million Equity Capital $17.17 million Loan Loss Allowance $7.62 million Unbacked Noncurrent Loans $20.92 million Real Estate Owned $1.82 million Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets -0.81% Return on Equity -19.83% Interest Income $3.11 million

Institution Health Overall Score: 1 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 HomeStar Bank and Financial Services had $25.37 million in non-current loans and owned real-estate with $23.36 million in equity and loan loss allowances on hand to cover it. This gives HomeStar Bank and Financial Services a Texas Ratio of 108.63% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for HomeStar Bank and Financial Services increased slightly from 91.75% as of March 31, 2011 to 108.63% as of March 31, 2012, resulting in a negative change of 18.39%. This indicates that the balance sheet and financial strength for HomeStar Bank and Financial Services has declined slightly in recent periods. Deposit Growth In the past year, HomeStar Bank and Financial Services has decreased its total deposits by -$21.82 million, resulting in -6.08% 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 HomeStar Bank and Financial Services has shown is poor. 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. HomeStar Bank and Financial Services has $372.01 million in assets with $23.36 million in equity, resulting in a capitalization level of 6.28%, which is below average.

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