MEMBER FDIC
May 2008
Local Bank Earns Highest Rating
for Safety and Soundness
April 2008: BAUERFIN,..,.ClAl, Inc. of Coral Gables, Fl, the nation's leading Independent bank rating and research firm, is proud to announce that Home Stale Bank, Royal, Iowa has once again achieved its highest S·Star rating. The 5·5tar raling is based on the overall financial picture of the bank and indicates that Home State Bank is on!:' of the strongest banks in the nation. This quarter represents the 77th consecutive time that Home State Bank has earned this highest honor. Institutions like Home State Bank, that have achieved a s·star rating for ten years or longer, have yet another distinCtion' "Exceptional Performance Bank", Only 15% of the nation's banks are branded as such.
"The times are changing and fewer banks are qualifying for thiS top rating, but our rigorous standards remain: boasts Karen L. Dorway, president of BAUERFIN.-.NCw.. ·You should be proud to know your local bank, Home State Bank, can claim thiS highest honor and be confident 10 call it your bank."
Home State Bank was established in 1915 and has been steadfastly serving the financial needs of its neighbors and friends for 93 years. It operates through convenienlly located offices on Third Avenue in Royal and can be found on the internet at www.hsbroy.d.com.
Home State Bank: "The Bank of Generations."
BAUERFINANCIAL, INC., Coral Gables, Florida, the nation’s leading independent bank rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays for its rating, nor can they elude it. Consumers may obtain free star-ratings by calling 800.388.6686 or visiting www.bauerfinancial.com.
For more information on Home State Bank, or any other U.S. bank, contact Karen Dorway directly at 800.388.6686 or e-mail her at kdorway@bauerfinancial.com. BauerFinancial, Inc. 2655 LeJeune Road, Penthouse One, Coral Gables, FL 33134.
Home State Bank Named a Top Performer -
National 'Top 20' Ranking Credits the Bank's Efficiency
Washington, D.C. (June 6, 2007) - ICBA Independent
Banker, the national magazine of the Independent Community Bankers of
America (ICBA) highlighted Home State Bank as a "Top 20"
industry earnings performer.
Home State Bank of Royal was recognized for posting one of the 20 best
year-end earnings performances in 2006 for ICBA member banks with $50
million in assets or less.
"Community banks are integral parts of the economic and civic fabric
of thousands oftowns and cities across America," said ICBA Chairman
James P. Ghiglieri, Jr., president of Alpha Community Bank, Toluca, Ill.
"In addition to offering the quality financial products and services
their customers need, community banks like Home State spend countless
hours and resources helping their communities thrive. ICBA congratulates
Home State Bank for serving its community so efficiently and effectively."
Home State Bank was identified in ICBA Independent Banker's annual year-end
ranking of lCBA members based on the standard industry performance measures
of return on average assets and return on average equity. The magazine
compiles its annual member rankings in its June issue from year-end
FDIC call report data.
Separate performance rankings are listed for Subchapter S corporation
community banks and Subchapter C corporation community banks among five
asset categories. For details, visit ICBA's electronic pressroom at www.icba.org/pressroom
(click on Top 20 Best Performers).
ICBA Independent Banker is the flagship magazine published by
the ICBA. The monthly magazine is the only nationally distributed publication
that exclusively covers the community bank marketplace.
About ICBA
The Independent Community Bankers of America, the nation's voice for community
banks, represents the largest
constituency of community banks of all sizes and charter types in the
nation, and is dedicated exclusively to representing the interests of
the community banking industry.
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Credit Report News
Effective March 1st, 2005, every person will be entitled to receive one free credit report per year. This opportunity is being provided to protect your credit from identity theft. There are three ways for you to obtain your report. They are as follows:
1) By Mail:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
For your security, and in order to ensure you are using the request form that has been authorized by the Central Source, please contact the bank for a form to be sent to the above address. Only the Central Source, and Equifax (at www.equifax.com), Experian (at www.experian.com), and TransUnion (at www.transunion.com) and its members have been authorized by law and the government (see FTC.gov) to provide free credit reports as described on this site. We cannot ensure your personal information will be kept secure and used for proper purposes if you use forms or provide information to persons, addresses, numbers, etc. not authorized by this site or the entities listed above.
2) By Phone:1-877-322-8228
3) By Online Access: www.AnnualCreditReport.com
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712-933-5511
877-474-5511 (toll free)
Member FDIC
HOME STATE BANK. . . the bank of generations!
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