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Letter portraitLegal landscapeQuarterYTD

Home Savings, Inc. SSB

Thomasville, NC · Cert 31012

FDIC

Q2 2001

$105.2MAssets
$88.6MLoans
$85.9MDeposits
$18.4MEquity
Deposit mix
100%Interest-bearing $85.7M0%Noninterest $0.3MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of -0.10%, down 103 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 103.06% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

-0.10%-103 bps YoY

Net Interest Margin (quarter, annualized)

3.38%

Efficiency Ratio (quarter, annualized)

81.77%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.12%Q1 ’017.07%Q2 ’01+18%

Non-interest income vs. expense

1.53%Q1 ’012.81%Q2 ’01+85%

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.00%1.00%0.98%0.93%0.94%0.85%0.87%-0.10%-103 bps
Return on Equityn/an/an/an/an/an/an/a-0.57%n/an/a
Net Interest Marginn/an/an/an/an/an/a2.87%3.38%n/a
Efficiency Ration/an/an/an/an/an/a52.64%81.77%n/a
Non-Interest Burdenn/an/an/an/an/an/a1.49%2.76%n/a
Growth
Asset Growth (YoY)3.69%-0.99%5.52%7.09%6.94%11.32%10.04%4.74%-235 bps
Loan Growth (YoY)8.90%10.45%15.05%15.34%12.40%14.13%9.00%1.51%-1,383 bps
Deposit Growth (YoY)2.27%-0.80%1.25%-0.48%-0.08%0.04%0.05%15.66%+1,614 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/an/an/an/a0.66%0.68%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/a33.50%33.26%n/a
Equity / Assetsn/an/an/an/an/an/a17.23%17.46%n/a
Liquidity & Funding
Loans / Deposits105.36%108.68%112.55%117.44%118.52%123.99%122.62%103.06%-1,437 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%7.41%8.66%+866 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a