Hometown Bank, A Cooperative Bank

Hometown Bank, A Cooperative Bank is headquartered in Webster and is the 92^nd largest bank in the state of Massachusetts. It is also the 2,191^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 61 employees at 5 locations. Hometown Bank, A Cooperative Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Hometown Bank, A Cooperative Bank FDIC Certificate # 26523 BankRate Report View Year Established 1889 Employees 61 Primary Regulator FDIC Assets and Liabilities Assets $298.33 million Loans $246.61 million Deposits $245.94 million Equity Capital $34.39 million Loan Loss Allowance $3.05 million Unbacked Noncurrent Loans $5.67 million Real Estate Owned $3.14 million Historic Data - March 2011 Assets $218.29 million Equity Capital $24.76 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $6.65 million Real Estate Owned $1.71 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 0.86% Return on Equity 7.64% Interest Income $3.32 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 Hometown Bank, A Cooperative Bank had $8.81 million in non-current loans and owned real-estate with $37.44 million in equity and loan loss allowances on hand to cover it. This gives Hometown Bank, A Cooperative Bank a Texas Ratio of 23.52% 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 Hometown Bank, A Cooperative Bank decreased slightly from 30.39% as of March 31, 2011 to 23.52% as of March 31, 2012, resulting in a positive change of 22.59%.This indicates that the balance sheet and financial strength for Hometown Bank, A Cooperative Bank has improved slightly in recent periods. Deposit Growth In the past year, Hometown Bank, A Cooperative Bank has increased its total deposits by $59.81 million, resulting in 32.13% 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 Hometown Bank, A Cooperative 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. Hometown Bank, A Cooperative Bank has $298.33 million in assets with $37.44 million in equity, resulting in a capitalization level of 12.55%, which is excellent.