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First Home Savings Bank

Mountain Grove, MO · Cert 30364

FDIC · 8 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

First Home Savings Bank

Mountain Grove, MO · Cert 30364

FDIC · 8 branches

Q3 2017

$220.9MAssets
$142.2MLoans
$187.8MDeposits
$19.1MEquity
Loan mix
91%RE $93.7M7%C&I $7.3M2%Consumer $1.8MQ3 2016Q3 2017
Deposit mix
92%Interest-bearing $173.6M8%Noninterest $14.2MQ3 2016Q3 2017

NIM

3.23%Q3 ’153.31%Q3 ’163.37%Q3 ’17+2%+2%

Non-interest income vs. expense

2.74%Q3 ’152.71%Q3 ’162.65%Q3 ’17-1%-2%

Market Position · Springfield, MO · 2017 SOD (annual) · 0.5% share · #28 of 38 inst. · $0.0B of $9.8B

17.7% Wright
17.4% Douglas
6.1% Stone
5.0% Webster

Executive Summary

  • Earnings: ROA of 0.33%, unchanged from a year ago; NIM at 2.81%.
  • Asset quality: problem loans at 0.57% of loans (+57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.30%, up 16 bps from a year ago.
  • Funding: loans stand at 75.75% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.33%0 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+5 bps YoY

Efficiency Ratio (YTD, annualized)

82.46%-232 bps YoY

Tier 1 Leverage Ratio

8.30%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.33%0.47%0.24%0.28%0.33%0 bps
Return on Equity3.79%5.35%2.83%3.31%3.81%+2 bps
Net Interest Margin2.76%2.76%2.75%2.78%2.81%+5 bps
Efficiency Ratio84.78%87.92%85.43%83.34%82.46%-232 bps
Non-Interest Burden2.26%2.36%2.28%2.24%2.23%-4 bps
Growth
Asset Growth (YoY)7.02%2.91%4.16%4.33%0.44%-657 bps
Loan Growth (YoY)8.46%9.73%8.51%7.24%5.96%-251 bps
Deposit Growth (YoY)6.58%2.86%4.98%5.43%2.19%-439 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.14%0.22%0.57%+57 bps
Net Charge-Offs / Loans0.02%0.00%0.02%0.00%0.00%-2 bps
Allowance / Loans1.26%1.23%1.20%1.22%1.27%+1 bps
Allowance Coverage of NPLsn/an/a8.7x5.6x2.2xn/a
Capital
Tier 1 Leverage Ratio8.14%8.34%8.35%8.36%8.30%+16 bps
Total Risk-Based Capital14.45%14.49%13.92%13.96%14.20%-25 bps
Equity / Assets8.80%8.58%8.54%8.53%8.65%-16 bps
Liquidity & Funding
Loans / Deposits73.06%75.78%78.05%76.46%75.75%+269 bps
Liquid Assets / Assets5.62%4.66%4.24%6.78%4.17%-145 bps
CRE / Total Capitaln/an/an/an/an/an/an/a