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Home Savings Bank

Jefferson City, MO · Cert 28276

FDIC · 1 branch

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Home Savings Bank

Jefferson City, MO · Cert 28276

FDIC · 1 branch

Q2 2016

$23.8MAssets
$18.5MLoans
$22.5MDeposits
$1.3MEquity
Deposit mix
85%Interest-bearing $19.1M15%Noninterest $3.4MQ2 2015Q2 2016

NIM

3.18%Q2 ’143.27%Q2 ’153.38%Q2 ’16+5%+2%

Non-interest income vs. expense

4.45%Q2 ’144.27%Q2 ’155.16%Q2 ’16-15%+56%

Market Position · Jefferson City, MO · 2016 SOD (annual) · 0.5% share · #20 of 23 inst. · $0.0B of $4.5B

Executive Summary

  • Earnings: ROA of -2.93%, down 219 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 5.38%, down 181 bps from a year ago.
  • Funding: loans stand at 82.04% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.93%-219 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+6 bps YoY

Efficiency Ratio (YTD, annualized)

234%+10,581 bps YoY

Tier 1 Leverage Ratio

5.38%-181 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.74%-0.75%-1.97%-1.34%-2.93%-219 bps
Return on Equity-8.83%-9.06%-24.68%-20.21%-47.10%-3,827 bps
Net Interest Margin2.88%2.87%2.86%2.88%2.94%+6 bps
Efficiency Ratio127.78%128.25%131.48%143.32%234%+10,581 bps
Non-Interest Burden3.78%3.78%3.90%4.21%5.89%+211 bps
Growth
Asset Growth (YoY)-3.51%-3.11%-2.33%-3.66%-4.39%-89 bps
Loan Growth (YoY)-3.69%-5.33%-2.80%1.37%3.44%+713 bps
Deposit Growth (YoY)-2.96%-2.79%-0.59%-1.74%-1.44%+152 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.02%-0.02%-2 bps
Allowance / Loans1.18%1.21%1.17%1.17%1.15%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.19%6.96%6.71%6.42%5.38%-181 bps
Total Risk-Based Capital13.70%13.41%12.58%12.10%10.57%-313 bps
Equity / Assets8.18%8.07%6.75%6.49%5.42%-277 bps
Liquidity & Funding
Loans / Deposits78.17%77.10%79.74%80.68%82.04%+387 bps
Liquid Assets / Assets12.21%12.30%12.62%10.68%8.53%-368 bps
CRE / Total Capitaln/an/an/an/an/an/an/a