Home State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Home State Bank has a rich tradition and history dating back to February 25, 1926 when it first opened its doors as Home State Bank of Kandiyohi. Home State Bank has grown significantly since its establishment. The bank serves a large area of central and west central Minnesota with five banking locations between Willmar, Cosmos, Litchfield and Hutchinson.

Home State Bank specializes in residential real estate lending, commercial loans, and the bank have a strong presence in the agricultural community. On the deposit side Home State Bank service specialty is Business Cash Management products. Also for your convenience, a PrimeVest Financial Services Inc. registered representative is located in its Willmar branch to assist with your alternative investment needs. PrimeVest and Home State Bank are not affiliated.

Willmar
PO Box 1620
1610 E. Hwy 12
Willmar, MN 56201
Tel: 320-231-1118
Fax: 320-231-0637

Cosmos
PO Box 217
200 Milky Way Street S.
Cosmos, MN 56228
Tel: 320-877-7211
Fax: 320-877-7356

Litchfield
1435 E. Hwy 12
Litchfield, MN 55355
Tel: 320-593-2001
Fax: 320-593-2003