The Home Savings and Loan Company of Kenton, Ohio

The Home Savings and Loan Company of Kenton, Ohio is headquartered in Kenton and is the 134^th largest bank in the state of Ohio. It is also the 4,453^rd largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 18 employees at 1 location. The Home Savings and Loan Company of Kenton, Ohio's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

The Home Savings and Loan Company of Kenton, Ohio Checking Account Rates

The Home Savings and Loan Company of Kenton, Ohio Savings Account Rates

The Home Savings and Loan Company of Kenton, Ohio Money Market Rates

The Home Savings and Loan Company of Kenton, Ohio CD Rates

The Home Savings and Loan Company of Kenton, Ohio IRA Rates

Data for Q1 2012

Institution Statistics The Home Savings and Loan Company of Kenton, Ohio OTS # 03681 FDIC Certificate # 29571 BankRate Report View Year Established 1888 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $120.52 million Loans $76.37 million Deposits $88.44 million Equity Capital $31.23 million Loan Loss Allowance $240,000 Unbacked Noncurrent Loans $467,000 Real Estate Owned $47,000 Historic Data - March 2011 Assets $115.64 million Equity Capital $30.29 million Loan Loss Allowance $305,000 Unbacked Noncurrent Loans $427,000 Real Estate Owned $176,000 Profit Margin - Quarterly Net Interest Margin 3.3% Return on Assets 0.78% Return on Equity 2.95% Interest Income $1.21 million

Institution Health Overall Score: 5 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 Savings and Loan Company of Kenton, Ohio had $514,000 in non-current loans and owned real-estate with $31.47 million in equity and loan loss allowances on hand to cover it. This gives The Home Savings and Loan Company of Kenton, Ohio a Texas Ratio of 1.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Home Savings and Loan Company of Kenton, Ohio decreased slightly from 1.97% as of March 31, 2011 to 1.63% as of March 31, 2012, resulting in a positive change of 17.13%.This indicates that the balance sheet and financial strength for The Home Savings and Loan Company of Kenton, Ohio has improved slightly in recent periods. Deposit Growth In the past year, The Home Savings and Loan Company of Kenton, Ohio has increased its total deposits by $4.07 million, resulting in 4.82% 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 Savings and Loan Company of Kenton, Ohio 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 Savings and Loan Company of Kenton, Ohio has $120.52 million in assets with $31.47 million in equity, resulting in a capitalization level of 26.11%, which is excellent.

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