Hometown National Bank

Hometown National Bank is headquartered in La Salle and is the 235^th largest bank in the state of Illinois. It is also the 3,428^th largest bank in the nation. It was established in 1880 and as of March of 2012, it had grown to 43 employees at 6 locations. Hometown National Bank has a 5-star health rating.

Hometown National Bank Routing Number: 071902030

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Data for Q1 2012

Institution Statistics Hometown National Bank FDIC Certificate # 3691 BankRate Report View Year Established 1880 Employees 43 Primary Regulator OCC Assets and Liabilities Assets $177.45 million Loans $107.91 million Deposits $159.74 million Equity Capital $16.79 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $1.99 million Real Estate Owned $646,000 Historic Data - March 2011 Assets $162.72 million Equity Capital $15.83 million Loan Loss Allowance $2.94 million Unbacked Noncurrent Loans $1.55 million Real Estate Owned $2.03 million Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 0.85% Return on Equity 9.02% Interest Income $1.80 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 National Bank had $2.63 million in non-current loans and owned real-estate with $19.51 million in equity and loan loss allowances on hand to cover it. This gives Hometown National Bank a Texas Ratio of 13.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hometown National Bank decreased slightly from 19.03% as of March 31, 2011 to 13.49% as of March 31, 2012, resulting in a positive change of 29.11%.This indicates that the balance sheet and financial strength for Hometown National Bank has improved slightly in recent periods. Deposit Growth In the past year, Hometown National Bank has increased its total deposits by $13.46 million, resulting in 9.2% 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 National 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 National Bank has $177.45 million in assets with $19.51 million in equity, resulting in a capitalization level of 11.00%, which is above average.

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