THE HOME LOAN SAVINGS BANK

THE HOME LOAN SAVINGS BANK is headquartered in Coshocton and is the 101^st largest bank in the state of Ohio. It is also the 3,580^th largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 40 employees at 4 locations. THE HOME LOAN SAVINGS BANK has a 4-star health rating.

Data for Q1 2012

Institution Statistics THE HOME LOAN SAVINGS BANK FDIC Certificate # 29695 BankRate Report View Year Established 1882 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $167.32 million Loans $132.64 million Deposits $134.90 million Equity Capital $17.32 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $3.16 million Real Estate Owned $43,000 Historic Data - March 2011 Assets $162.35 million Equity Capital $17.12 million Loan Loss Allowance $2.02 million Unbacked Noncurrent Loans $2.69 million Real Estate Owned $98,000 Profit Margin - Quarterly Net Interest Margin 4.78% Return on Assets 1.46% Return on Equity 13.31% Interest Income $2.12 million

Institution Health Overall Score: 4 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 THE HOME LOAN SAVINGS BANK had $3.2 million in non-current loans and owned real-estate with $19.81 million in equity and loan loss allowances on hand to cover it. This gives THE HOME LOAN SAVINGS BANK a Texas Ratio of 16.16% 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 THE HOME LOAN SAVINGS BANK held steady from 14.55% as of March 31, 2011 to 16.16% as of March 31, 2012, resulting in a negative change of 11.09%. This indicates that the balance sheet and financial strength for THE HOME LOAN SAVINGS BANK has held steady in recent periods. Deposit Growth In the past year, THE HOME LOAN SAVINGS BANK has increased its total deposits by $3.14 million, resulting in 2.38% 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 THE HOME LOAN SAVINGS BANK 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. THE HOME LOAN SAVINGS BANK has $167.32 million in assets with $19.81 million in equity, resulting in a capitalization level of 11.84%, which is above average.

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