Home Savings Bank, FSB

Home Savings Bank, FSB is headquartered in Ludlow and is the 186^th largest bank in the state of Kentucky. It is also the 6,896^th largest bank in the nation. It was established in 1941 and as of March of 2012, it had grown to 7 employees at 1 location. Home Savings Bank, FSB has a 3-star health rating.

Home Savings Bank, FSB Routing Number: 242170374

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Data for Q1 2012

Institution Statistics Home Savings Bank, FSB OTS # 07384 FDIC Certificate # 31723 BankRate Report View Year Established 1941 Employees 7 Primary Regulator OCC Assets and Liabilities Assets $32.15 million Loans $18.02 million Deposits $25.20 million Equity Capital $4.15 million Loan Loss Allowance $193,000 Unbacked Noncurrent Loans $526,000 Real Estate Owned $797,000 Historic Data - March 2011 Assets $35.48 million Equity Capital $4.53 million Loan Loss Allowance $184,000 Unbacked Noncurrent Loans $331,000 Real Estate Owned $877,000 Profit Margin - Quarterly Net Interest Margin 3.02% Return on Assets -0.51% Return on Equity -3.94% Interest Income $335,000

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 March 31, 2012 Home Savings Bank, FSB had $1.32 million in non-current loans and owned real-estate with $4.34 million in equity and loan loss allowances on hand to cover it. This gives Home Savings Bank, FSB a Texas Ratio of 30.48% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Home Savings Bank, FSB held steady from 25.64% as of March 31, 2011 to 30.48% as of March 31, 2012, resulting in a negative change of 18.88%. This indicates that the balance sheet and financial strength for Home Savings Bank, FSB has held steady in recent periods. Deposit Growth In the past year, Home Savings Bank, FSB has increased its total deposits by $420,000, resulting in 1.69% 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 Home Savings Bank, FSB has shown is above 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. Home Savings Bank, FSB has $32.15 million in assets with $4.34 million in equity, resulting in a capitalization level of 13.50%, which is excellent.

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