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Overview / Commentary
815-223-7300
260 Bucklin Street
La Salle, IL 61301

Hometown National Bank is headquartered in La Salle and is the 215st largest bank in the state of Illinois. It is also the 3,110st largest bank in the nation. It was established in 1880 and as of March of 2014, it had grown to 41 employees at 5 locations. Hometown National Bank's savings rates are 92% higher than the national average, and it has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hometown National Bank had $2.62 million in non-current loans and owned real-estate with $21.77 million in equity and loan loss allowances on hand to cover it. This gives Hometown National Bank a Texas Ratio of 12.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Hometown National Bank experienced no significant changes from 12.68% as of March 31, 2013 to 12.02% as of March 31, 2014, resulting in a positive change of 5.27%.This indicates that the balance sheet and financial strength for Hometown National Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Hometown National Bank has increased its total deposits by $7.08 million, resulting in 4.21% 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

GRADE:
A

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 $195.39 million in assets with $21.77 million in equity, resulting in a capitalization level of 11.14%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #3691
Year Established1880
Employees41
Primary RegulatorOCC
Assets and Liabilities
Assets$195.39 million
Loans$113.23 million
Deposits$175.30 million
Equity Capital$19.21 million
Loan Loss Allowance$2.56 million
Unbacked Noncurrent Loans$2.14 million
Real Estate Owned$472,000
Historic Data - March 2013
Assets$187.55 million
Equity Capital$18.35 million
Loan Loss Allowance$2.99 million
Unbacked Noncurrent Loans$2.14 million
Real Estate Owned$472,000
Profit Margin - Quarterly
Net Interest Margin3.28%
Return on Assets0.72%
Return on Equity7.49%
Interest Income$1.63 million
Rates
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Hometown National Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%$10k-Health Savings Account
0.55%$10k-Your Way IRA
0.35%$10k-Hometown Green Savings Account
0.20%$1k-Regular Savings Account

Hometown National Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-Foundations Money Market

Hometown National Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$10k-Community NOW Account
0.05%--Hometown Plus Checking
0.05%$1k-Venture Checking
Locations


Hometown National Bank Locations
Hometown National Bank Messenger Service Branch260 Bucklin StLA Salle, IL 61301
Hometown National Bank260 Bucklin StreetLA Salle, IL 61301
Peru Branch4141 Venture DrivePeru, IL 61354
Hometown National Bank Messenger Service Branch722 Essington Rd, Ste AJoliet, IL 60435
Joliet Branch722 Essington Road, Suite AJoliet, IL 60435