First Home Savings Bank

142 E. First St.
Mountain Grove, MO 65711
(800) 555-9459
www.fhsb.com

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First Home Savings Bank is headquartered in Mountain Grove and is the 106^th largest bank in the state of Missouri. It is also the 3,061^st largest bank in the nation. It was established in 1911 and as of September of 2011, it had grown to 75 employees at 11 locations. First Home Savings Bank has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Home Savings Bank Checking Account Rates

Apy	Min	Max	Product
2.25%	-	$25k	E-Checking
0.10%	-	-	VIP Interest Checking
0.10%	-	-	50+ Interest Checking
0.05%	-	-	Business Plus Checking

First Home Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.75%	$100k	-	Money Market Savings
0.10%	-	-	Prestige Savings

First Home Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.54%	$50k	-	Money Market Account

First Home Savings Bank CD Rates

Apy	Min	Max	Product
1.85%	-	-	60 Month CD
1.70%	-	-	60 Month Without Relationship CD
1.65%	-	-	48 Month CD
1.49%	-	-	48 Month Without Relationship CD
1.30%	-	-	36 Month CD
1.25%	-	-	36 Month Without Relationship CD
1.15%	-	-	30 Month CD
1.04%	-	-	30 Month Without Relationship CD
0.99%	-	-	24 Month CD
0.94%	-	-	24 Month Without Relationship CD
0.75%	-	-	18 Month CD
0.65%	-	-	12 Month CD
0.65%	-	-	18 Month Without Relationship CD
0.50%	-	-	12 Month Without Relationship CD
0.42%	-	-	6 Month CD
0.35%	-	-	6 Month Without Relationship CD
0.15%	-	-	3 Month CD
0.05%	-	-	3 Month Without Relationship CD

First Home Savings Bank IRA Rates

Apy	Min	Max	Product
1.85%	-	-	60 Month IRA
1.85%	-	-	60 Month Roth IRA
1.85%	-	-	60 Month CESA
1.70%	-	-	60 Month Without Relationship IRA
1.70%	-	-	60 Month Without Relationship Roth IRA
1.70%	-	-	60 Month Without Relationship CESA
1.65%	-	-	48 Month IRA
1.65%	-	-	48 Month Roth IRA
1.65%	-	-	48 Month CESA
1.49%	-	-	48 Month Without Relationship IRA
1.49%	-	-	48 Month Without Relationship Roth IRA
1.49%	-	-	48 Month Without Relationship CESA
1.30%	-	-	36 Month IRA
1.30%	-	-	36 Month Roth IRA
1.30%	-	-	36 Month CESA
1.25%	-	-	36 Month Without Relationship IRA
1.25%	-	-	36 Month Without Relationship Roth IRA
1.25%	-	-	36 Month Without Relationship CESA
1.15%	-	-	30 Month IRA
1.15%	-	-	30 Month Roth IRA
1.15%	-	-	30 Month CESA
1.04%	-	-	30 Month Without Relationship IRA
1.04%	-	-	30 Month Without Relationship Roth IRA
1.04%	-	-	30 Month Without Relationship CESA
0.99%	-	-	24 Month IRA
0.99%	-	-	24 Month Roth IRA
0.99%	-	-	24 Month CESA
0.94%	-	-	24 Month Without Relationship IRA
0.94%	-	-	24 Month Without Relationship Roth IRA
0.94%	-	-	24 Month Without Relationship CESA
0.75%	-	-	18 Month IRA
0.75%	-	-	18 Month Roth IRA
0.75%	-	-	18 Month CESA
0.65%	-	-	12 Month IRA
0.65%	-	-	18 Month Without Relationship IRA
0.65%	-	-	12 Month Roth IRA
0.65%	-	-	18 Month Without Relationship Roth IRA
0.65%	-	-	12 Month CESA
0.65%	-	-	18 Month Without Relationship CESA
0.50%	-	-	12 Month Without Relationship IRA
0.50%	-	-	12 Month Without Relationship Roth IRA
0.50%	-	-	12 Month Without Relationship CESA
0.42%	-	-	6 Month IRA
0.42%	-	-	6 Month Roth IRA
0.42%	-	-	6 Month CESA
0.35%	-	-	6 Month Without Relationship IRA
0.35%	-	-	6 Month Without Relationship Roth IRA
0.35%	-	-	6 Month Without Relationship CESA
0.15%	-	-	3 Month IRA
0.15%	-	-	3 Month Roth IRA
0.15%	-	-	3 Month CESA
0.05%	-	-	3 Month Without Relationship IRA
0.05%	-	-	3 Month Without Relationship Roth IRA
0.05%	-	-	3 Month Without Relationship CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

First Home Savings Bank
OTS #	05233
FDIC Certificate #	30364
BankRate Report	View
Year Established	1911
Employees	75
Primary Regulator	FDIC
Assets and Liabilities
Assets	$203.11 million
Loans	$94.63 million
Deposits	$176.76 million
Equity Capital	$16.86 million
Loan Loss Allowance	$1.50 million
Unbacked Noncurrent Loans	$976,000
Real Estate Owned	$4.30 million
Historic Data - September 2010
Assets	$213.80 million
Equity Capital	$21.38 million
Loan Loss Allowance	$1.23 million
Unbacked Noncurrent Loans	$1.63 million
Real Estate Owned	$5.51 million
Profit Margin - Quarterly
Net Interest Margin	3.19%
Return on Assets	-1.74%
Return on Equity	-19.77%
Interest Income	$5.84 million

Institution Health

Overall Score:

3 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 September 30, 2011 First Home Savings Bank had $5.28 million in non-current loans and owned real-estate with $18.36 million in equity and loan loss allowances on hand to cover it. This gives First Home Savings Bank a Texas Ratio of 28.75% 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 First Home Savings Bank held steady from 31.55% as of September 30, 2010 to 28.75% as of September 30, 2011, resulting in a positive change of 8.87%.This indicates that the balance sheet and financial strength for First Home Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, First Home Savings Bank has decreased its total deposits by -$7.5 million, resulting in -4.07% 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 First Home Savings Bank has shown is below average.
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. First Home Savings Bank has $203.1 million in assets with $18.36 million in equity, resulting in a capitalization level of 9.04%, which is average.

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