Hometown Bank of Pennsylvania

Hometown Bank of Pennsylvania is headquartered in Bedford and is the 172^nd largest bank in the state of Pennsylvania. It is also the 4,774^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 24 employees at 2 locations. Hometown Bank of Pennsylvania has a 5-star health rating.

Data for Q1 2012

Institution Statistics Hometown Bank of Pennsylvania FDIC Certificate # 58470 BankRate Report View Year Established 2007 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $107.40 million Loans $90.02 million Deposits $96.82 million Equity Capital $10.22 million Loan Loss Allowance $881,000 Real Estate Owned $146,000 Historic Data - March 2011 Assets $92.30 million Equity Capital $8.41 million Loan Loss Allowance $718,000 Real Estate Owned $170,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.92% Return on Equity 10.02% Interest Income $1.21 million

Institution Health Overall Score: 5 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 of Pennsylvania had $146,000 in non-current loans and owned real-estate with $11.1 million in equity and loan loss allowances on hand to cover it. This gives Hometown Bank of Pennsylvania a Texas Ratio of 1.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hometown Bank of Pennsylvania decreased slightly from 1.86% as of March 31, 2011 to 1.32% as of March 31, 2012, resulting in a positive change of 29.41%.This indicates that the balance sheet and financial strength for Hometown Bank of Pennsylvania has improved slightly in recent periods. Deposit Growth In the past year, Hometown Bank of Pennsylvania has increased its total deposits by $13.11 million, resulting in 15.67% 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 of Pennsylvania 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 of Pennsylvania has $107.4 million in assets with $11.1 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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