The Hometown Bank of Alabama

The Hometown Bank of Alabama is headquartered in Oneonta and is the 32^nd largest bank in the state of Alabama. It is also the 2,249^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 51 employees at 3 locations. The Hometown Bank of Alabama has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Hometown Bank of Alabama FDIC Certificate # 57540 BankRate Report View Year Established 2003 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $290.39 million Loans $144.93 million Deposits $251.60 million Equity Capital $27.89 million Loan Loss Allowance $3.51 million Unbacked Noncurrent Loans $5.24 million Real Estate Owned $2.47 million Historic Data - March 2011 Assets $270.73 million Equity Capital $23.99 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $3.82 million Real Estate Owned $3.98 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.56% Return on Equity 16.34% Interest Income $3.46 million

Institution Health Overall Score: 4 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 Hometown Bank of Alabama had $7.71 million in non-current loans and owned real-estate with $31.4 million in equity and loan loss allowances on hand to cover it. This gives The Hometown Bank of Alabama a Texas Ratio of 24.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Hometown Bank of Alabama decreased slightly from 29.36% as of March 31, 2011 to 24.56% as of March 31, 2012, resulting in a positive change of 16.35%.This indicates that the balance sheet and financial strength for The Hometown Bank of Alabama has improved slightly in recent periods. Deposit Growth In the past year, The Hometown Bank of Alabama has increased its total deposits by $16.45 million, resulting in 7% 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 Hometown Bank of Alabama 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 Hometown Bank of Alabama has $290.39 million in assets with $31.4 million in equity, resulting in a capitalization level of 10.81%, which is above average.

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