Home Savings & Loan

275 West Federal Street
Youngstown, OH 44501
1-888-822-4751
www.homesavings.com

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Home Savings & Loan is headquartered in Youngstown and is the 15^st largest bank in the state of Ohio. It is also the 377^th largest bank in the nation. It was established in 1889 and as of March of 2013, it had grown to 479 employees at 33 locations. Home Savings & Loan's savings rates are 92% higher than the national average, and it 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
0.10%	$50k	-	Interest Checking
0.10%	-	-	Personally Yours Checking
0.05%	-	-	Basic Checking

Home Savings & Loan Savings Account Rates

Apy	Min	Max	Product
1.00%	$500	-	72 Month HSA
0.80%	$500	-	60 Month HSA
0.50%	$500	-	36 Month HSA
0.40%	$500	-	30 Month HSA
0.30%	$500	-	24 Month HSA
0.25%	$500	-	18 Month HSA
0.25%	$100	-	18 Month HSA (Variable Rate)
0.20%	$10k	-	Health Statement Savings Account
0.20%	$500	-	12 Month HSA
0.20%	-	-	Personally Yours Statement Savings
0.15%	$5k	-	Platinum Statement Savings
0.10%	-	-	Holiday Club Statement Savings
0.05%	-	-	Big Bucks Statement Savings
0.05%	$50	-	Statement Savings
0.05%	-	-	Student Statement Savings

Home Savings & Loan Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	High Yield Money Market Account

Home Savings & Loan CD Rates

Apy	Min	Max	Product
1.00%	$500	-	72 Month CD
0.80%	$500	-	60 Month CD
0.65%	$500	-	48 Month CD
0.50%	$500	-	36 Month CD
0.40%	$500	-	30 Month CD
0.30%	$100	-	24 Month Big Bucks Big Savers
0.30%	$100	-	24 Month Home Buyers
0.30%	$500	-	24 Month CD
0.25%	$500	-	18 Month CD
0.20%	$500	-	12 Month (@ maturity)
0.20%	$500	-	12 Month CD
0.10%	$500	-	182 Day CD
0.05%	$500	-	28 Day CD
0.05%	$500	-	91 Day CD

Home Savings & Loan IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	72 Month IRA
1.00%	$500	-	72 Month Roth IRA
1.00%	$500	-	72 Month CESA
0.80%	$500	-	60 Month IRA
0.80%	$500	-	60 Month Roth IRA
0.80%	$500	-	60 Month CESA
0.50%	$500	-	36 Month IRA
0.50%	$500	-	36 Month Roth IRA
0.50%	$500	-	36 Month CESA
0.40%	$500	-	30 Month IRA
0.40%	$500	-	30 Month Roth IRA
0.40%	$500	-	30 Month CESA
0.30%	$500	-	24 Month IRA
0.30%	$500	-	24 Month Roth IRA
0.30%	$500	-	24 Month CESA
0.25%	$100	-	18 Month IRA (Variable Rate)
0.25%	$500	-	18 Month IRA
0.25%	$500	-	18 Month Roth IRA
0.25%	$100	-	18 Month Roth IRA (Variable Rate)
0.25%	$500	-	18 Month CESA
0.25%	$100	-	18 Month CESA (Variable Rate)
0.20%	$500	-	12 Month IRA
0.20%	$500	-	12 Month Roth IRA
0.20%	$500	-	12 Month CESA

Rates updated: 6/19/2013

Data for Q1 2013

Institution Statistics

The Home Savings and Loan Company of Youngstown, Ohio
FDIC Certificate #	28114
BankRate Report	View
Year Established	1889
Employees	479
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.83 billion
Loans	$1.04 billion
Deposits	$1.50 billion
Equity Capital	$183.37 million
Loan Loss Allowance	$21.83 million
Unbacked Noncurrent Loans	$45.45 million
Real Estate Owned	$15.35 million
Historic Data - March 2012
Assets	$2.04 billion
Equity Capital	$186.28 million
Loan Loss Allowance	$34.52 million
Unbacked Noncurrent Loans	$109.91 million
Real Estate Owned	$28.52 million
Profit Margin - Quarterly
Net Interest Margin	3.07%
Return on Assets	0.62%
Return on Equity	6.47%
Interest Income	$16.48 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 March 31, 2013 Home Savings & Loan had $60.79 million in non-current loans and owned real-estate with $205.19 million in equity and loan loss allowances on hand to cover it. This gives Home Savings & Loan a Texas Ratio of 29.63% 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 Home Savings & Loan decreased significantly from 62.69% as of March 31, 2012 to 29.63% as of March 31, 2013, resulting in a positive change of 52.74%.This indicates that the balance sheet and financial strength for Home Savings & Loan has improved significantly in recent periods.
Deposit Growth
In the past year, Home Savings & Loan has decreased its total deposits by -$92.31 million, resulting in -5.8% 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 poor.
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 $1.83 billion in assets with $205.19 million in equity, resulting in a capitalization level of 11.19%, which is above average.

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