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HomeTown Bank Newsletter
 409-763-1271 January 2017

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Happy New Year!
by Ray Rusk, Senior Vice President and Alvin Branch Manager
WOW!  It�s hard to believe that 2016 is over and we�re planning for the year ahead.   If you�re anything like me, the month of January is when I start thinking about exercising more and eating better.   However, by the time March or April rolls around, all my good intentions are usually long gone.

This is certainly not so at HomeTown Bank. At the beginning of each year, we make plans and review our products as we strive to improve our continuation of providing the best customer service possible. And we do that all year long. So, as we plan ahead and work up new budgets for 2017, one thing will remain constant all year: our commitment to quality service and our belief that our customers come first.

Best Ways to Save for Your Mortgage Down Payment
Four simple methods to get the ball rolling on your down payment savings

Buying a home is a huge step in life and begins with a huge hurdle: the down payment. Fortunately, by starting early and thinking things through, you can get a solid jump on saving. Here are some easy ideas to get you started.
Joint Checking With Your Spouse: How Much to Contribute
Marrying your finances after you�ve tied the knot depends on several factors

Many couples decide to open a joint bank account once they get married, while others maintain separate accounts to manage their finances. There is no right or wrong decision, but if you are going to open a joint account, there are several factors to consider regarding how much each spouse should contribute.
The Power of Compound Interest
Why it really pays to invest early in a retirement account

Money in a savings or retirement account grows over time as it earns interest. But the interest rate isn�t the only factor that determines how much it grows; compounding interest helps your funds grow faster because it lets you earn interest on the money you deposit plus previously earned interest.
Holiday Closing

We will be closed Monday, January 16th in observance of Martin Luther King, Jr. Day.
Galveston Independent School District�s Education Foundation

HomeTown Bank was honored to present a check to Oppe Elementary School�s 4th grade Rockin� with Robots class through their support of the Galveston Independent School District�s Education Foundation.
Best Bank

Thank you for voting HomeTown Bank �Best Bank�! Thousands of votes were cast in�s annual Best of Galveston Awards and HomeTown Bank earned the top honors in banking!
Walk �n� Roll 5K

HomeTown Bank was once again a proud sponsor at the Walk �n� Roll 5K put on by Harbourview Care Center at South Shore in November.
Congratulations, Martha Salinas!
Congratulations, Martha Salinas! 20 Years at HomeTown Bank.
Happy Retirement, Judy!
Please join us in congratulating Judy Lacy, who is retiring after 11 years with HomeTown Bank.
Published by HomeTown Bank
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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