The Home Building and Loan Company

The Home Building and Loan Company is headquartered in Greenfield and is the 215^st largest bank in the state of Ohio. It is also the 6,565^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 6 employees at 1 location. The Home Building and Loan Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Home Building and Loan Company OTS # 08107 FDIC Certificate # 32295 BankRate Report View Year Established 1886 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $43.07 million Loans $15.49 million Deposits $36.65 million Equity Capital $6.29 million Loan Loss Allowance $425,000 Unbacked Noncurrent Loans $2.36 million Historic Data - March 2011 Assets $45.19 million Equity Capital $6.78 million Loan Loss Allowance $279,000 Unbacked Noncurrent Loans $2.46 million Real Estate Owned $783,000 Profit Margin - Quarterly Net Interest Margin 2.27% Return on Assets -3.19% Return on Equity -21.24% Interest Income $276,000

Institution Health Overall Score: 3 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 The Home Building and Loan Company had $2.36 million in non-current loans and owned real-estate with $6.71 million in equity and loan loss allowances on hand to cover it. This gives The Home Building and Loan Company a Texas Ratio of 35.23% 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 The Home Building and Loan Company decreased slightly from 45.85% as of March 31, 2011 to 35.23% as of March 31, 2012, resulting in a positive change of 23.16%.This indicates that the balance sheet and financial strength for The Home Building and Loan Company has improved slightly in recent periods. Deposit Growth In the past year, The Home Building and Loan Company has decreased its total deposits by -$1.72 million, resulting in -4.49% 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 The Home Building and Loan Company has shown is below 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. The Home Building and Loan Company has $43.07 million in assets with $6.71 million in equity, resulting in a capitalization level of 15.58%, which is excellent.

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