Home Savings & Loan

275 West Federal Street
Youngstown, OH 44503
1-888-822-4751
www.homesavings.com

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Home Savings & Loan is headquartered in Youngstown and is the 13^st largest bank in the state of Ohio. It is also the 332^nd largest bank in the nation. It was established in 1889 and as of September of 2011, it had grown to 544 employees at 38 locations. Home Savings & Loan has a 3-star health rating.

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

Home Savings & Loan Checking Account Rates

Apy	Min	Max	Product
0.15%	$50k	-	Interest Checking
0.15%	-	-	Personally Yours Checking
0.10%	-	-	Basic Checking

Home Savings & Loan Savings Account Rates

Apy	Min	Max	Product
0.50%	$2,500	-	Health Statement Savings Account
0.40%	-	-	Personally Yours Statement Savings
0.25%	$5k	-	Platinum Statement Savings
0.10%	-	-	Big Bucks Statement Savings
0.10%	-	-	Holiday Club Statement Savings
0.10%	$50	-	Statement Savings
0.10%	-	-	Student Statement Savings

Home Savings & Loan Money Market Rates

	Apy	Min	Max	Product
	0.55%	$100k	-	High Yield Money Market Account

Home Savings & Loan CD Rates

Apy	Min	Max	Product
1.80%	$500	-	72 Month CD
1.55%	$500	-	60 Month CD
1.30%	$500	-	48 Month CD
1.05%	$500	-	36 Month CD
0.85%	$500	-	30 Month CD
0.75%	$100	-	24 Month Big Bucks Big Savers
0.75%	$100	-	24 Month Home Buyers
0.75%	$500	-	24 Month CD
0.55%	$500	-	18 Month CD
0.35%	$500	-	12 Month (@ maturity)
0.35%	$500	-	12 Month CD
0.20%	$500	-	182 Day CD
0.10%	$500	-	91 Day CD
0.05%	$500	-	28 Day CD

Home Savings & Loan IRA Rates

Apy	Min	Max	Product
1.80%	$500	-	72 Month IRA
1.80%	$500	-	72 Month Roth IRA
1.80%	$500	-	72 Month HSA
1.80%	$500	-	72 Month CESA
1.55%	$500	-	60 Month IRA
1.55%	$500	-	60 Month Roth IRA
1.55%	$500	-	60 Month HSA
1.55%	$500	-	60 Month CESA
1.05%	$500	-	36 Month IRA
1.05%	$500	-	36 Month Roth IRA
1.05%	$500	-	36 Month HSA
1.05%	$500	-	36 Month CESA
0.85%	$500	-	30 Month IRA
0.85%	$500	-	30 Month Roth IRA
0.85%	$500	-	30 Month HSA
0.85%	$500	-	30 Month CESA
0.75%	$500	-	24 Month IRA
0.75%	$500	-	24 Month Roth IRA
0.75%	$500	-	24 Month HSA
0.75%	$500	-	24 Month CESA
0.55%	$100	-	18 Month IRA (VARIABLE RATE)
0.55%	$500	-	18 Month IRA
0.55%	$500	-	18 Month Roth IRA
0.55%	$100	-	18 Month Roth IRA (VARIABLE RATE)
0.55%	$500	-	18 Month HSA
0.55%	$100	-	18 Month HSA (VARIABLE RATE)
0.55%	$500	-	18 Month CESA
0.55%	$100	-	18 Month CESA (VARIABLE RATE)
0.35%	$500	-	12 Month IRA
0.35%	$500	-	12 Month Roth IRA
0.35%	$500	-	12 Month HSA
0.35%	$500	-	12 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

The Home Savings and Loan Company
FDIC Certificate #	28114
BankRate Report	View
Year Established	1889
Employees	544
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.07 billion
Loans	$1.48 billion
Deposits	$1.71 billion
Equity Capital	$180.66 million
Loan Loss Allowance	$44.16 million
Unbacked Noncurrent Loans	$134.08 million
Real Estate Owned	$37.70 million
Historic Data - September 2010
Assets	$2.32 billion
Equity Capital	$194.80 million
Loan Loss Allowance	$40.88 million
Unbacked Noncurrent Loans	$142.71 million
Real Estate Owned	$39.96 million
Profit Margin - Quarterly
Net Interest Margin	3.43%
Return on Assets	-0.44%
Return on Equity	-5.32%
Interest Income	$73.92 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 Home Savings & Loan had $171.78 million in non-current loans and owned real-estate with $224.82 million in equity and loan loss allowances on hand to cover it. This gives Home Savings & Loan a Texas Ratio of 76.41% 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 & Loan held steady from 77.51% as of September 30, 2010 to 76.41% as of September 30, 2011, resulting in a positive change of 1.42%.This indicates that the balance sheet and financial strength for Home Savings & Loan has held steady in recent periods.
Deposit Growth
In the past year, Home Savings & Loan has decreased its total deposits by -$4.53 million, resulting in -0.26% 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 & Loan has shown is 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 & Loan has $2.07 billion in assets with $224.82 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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