The Home Trust and Savings Bank

The Home Trust and Savings Bank is headquartered in Osage and is the 85^th largest bank in the state of Iowa. It is also the 3,035^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 14 employees at 1 location. The Home Trust and Savings Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Home Trust & Savings Bank FDIC Certificate # 963 BankRate Report View Year Established 1899 Employees 14 Primary Regulator FED Assets and Liabilities Assets $206.97 million Loans $102.76 million Deposits $184.28 million Equity Capital $21.06 million Loan Loss Allowance $998,000 Unbacked Noncurrent Loans $251,000 Real Estate Owned $37,000 Historic Data - March 2011 Assets $187.40 million Equity Capital $17.21 million Loan Loss Allowance $847,000 Unbacked Noncurrent Loans $135,000 Profit Margin - Quarterly Net Interest Margin 2.79% Return on Assets 1.61% Return on Equity 16.06% Interest Income $2.00 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 The Home Trust and Savings Bank had $288,000 in non-current loans and owned real-estate with $22.06 million in equity and loan loss allowances on hand to cover it. This gives The Home Trust and Savings Bank a Texas Ratio of 1.31% 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 The Home Trust and Savings Bank held steady from 0.75% as of March 31, 2011 to 1.31% as of March 31, 2012, resulting in a negative change of 74.69%. This indicates that the balance sheet and financial strength for The Home Trust and Savings Bank has held steady in recent periods. Deposit Growth In the past year, The Home Trust and Savings Bank has increased its total deposits by $16.22 million, resulting in 9.65% 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 Trust and Savings 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. The Home Trust and Savings Bank has $206.97 million in assets with $22.06 million in equity, resulting in a capitalization level of 10.66%, which is above average.

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