Home Savings Bank (MO)

Home Savings Bank (MO) is headquartered in Jefferson City and is the 310^st largest bank in the state of Missouri. It is also the 6,901^st largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 9 employees at 1 location. Home Savings Bank (MO) has a 2-star health rating.

Data for Q1 2012

Institution Statistics Home Savings Bank OTS # 01282 FDIC Certificate # 28276 BankRate Report View Year Established 1897 Employees 9 Primary Regulator OCC Assets and Liabilities Assets $32.02 million Loans $23.49 million Deposits $29.18 million Equity Capital $2.65 million Loan Loss Allowance $325,000 Unbacked Noncurrent Loans $1.98 million Real Estate Owned $856,000 Historic Data - March 2011 Assets $29.96 million Equity Capital $2.81 million Loan Loss Allowance $150,000 Unbacked Noncurrent Loans $624,000 Real Estate Owned $1.08 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 0.06% Return on Equity 0.76% Interest Income $277,000

Institution Health Overall Score: 2 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 (MO) had $2.84 million in non-current loans and owned real-estate with $2.97 million in equity and loan loss allowances on hand to cover it. This gives Home Savings Bank (MO) a Texas Ratio of 95.46% which is poor. 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 (MO) increased slightly from 57.38% as of March 31, 2011 to 95.46% as of March 31, 2012, resulting in a negative change of 66.36%. This indicates that the balance sheet and financial strength for Home Savings Bank (MO) has declined slightly in recent periods. Deposit Growth In the past year, Home Savings Bank (MO) has increased its total deposits by $2.57 million, resulting in 9.65% 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 (MO) has shown is excellent. 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 (MO) has $32.02 million in assets with $2.97 million in equity, resulting in a capitalization level of 9.28%, which is average.

No reviews have been left for this bank yet. Be the first to review.