Hometown Community Bank

Hometown Community Bank is headquartered in Cyrus and is the 354^th largest bank in the state of Minnesota. It is also the 7,055^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 9 employees at 2 locations. Hometown Community Bank has a 2-star health rating.

Hometown Community Bank Routing Number: 091207058

Data for Q1 2012

Institution Statistics Hometown Community Bank FDIC Certificate # 10197 BankRate Report View Year Established 1901 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $25.70 million Loans $14.04 million Deposits $23.79 million Equity Capital $1.84 million Loan Loss Allowance $325,000 Unbacked Noncurrent Loans $366,000 Real Estate Owned $635,000 Historic Data - March 2011 Assets $25.91 million Equity Capital $1.67 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $109,000 Real Estate Owned $545,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.24% Return on Equity 3.29% Interest Income $259,000

Institution Health Overall Score: 2 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 Community Bank had $1 million in non-current loans and owned real-estate with $2.16 million in equity and loan loss allowances on hand to cover it. This gives Hometown Community Bank a Texas Ratio of 46.28% 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 Hometown Community Bank increased slightly from 32.26% as of March 31, 2011 to 46.28% as of March 31, 2012, resulting in a negative change of 43.43%. This indicates that the balance sheet and financial strength for Hometown Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Hometown Community Bank has decreased its total deposits by $-102,000, resulting in -0.43% 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 Community Bank has shown is average. 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 Community Bank has $25.7 million in assets with $2.16 million in equity, resulting in a capitalization level of 8.42%, which is average.

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