First Home Savings Bank in Mountain Grove, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Home Savings Bank in Mountain Grove, Missouri (MO)
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First Home Savings Bank - Overview

  • General
  • FDIC Certificate #: 30364
    Status: Active
    Federal Reserve ID: 152374
    Date Established: January 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 5233
    FDIC's unique #: 43198
    Numeric code: 35
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 06, 1950
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 142 East First Street, Mountain Grove, MO 65711
    County: Wright
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $197.5 mil
    Equity capital: $16.3 mil
    Deposits held in domestic offices: $172.1 mil
    Return on assets (ROA): -1.60% (-$3.2 mil)
    Quarterly return on assets: -1.14% (-$2.3 mil)
    Return on Equity (ROE): -18.36% (-$2.9 mil)
    Quarterly return on equity: -13.81% (-$2.2 mil)
    Net income: -$3.2 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -1.41% (-$2,785.3 mil)
    Quarterly Pretax return on assets: -0.99% (-$1,955.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 79Total employees (full-time equivalent)
  • $197,539Total assets
  • $18,923Cash and due from depository institutions
  • $15,482Interest-bearing balances
  • $70,547Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $94,738Net loans & leases
  • $1,665Loan loss allowance
  • $0Trading account assets
  • $4,612Bank premises and fixed assets
  • $3,279Other real estate owned
  • $60Goodwill and other intangibles
  • $197,539Life insurance assets
  • $5,380All other assets
  • $181,276Total liabilities and capital
  • $172,095Total liabilities
  • $154,046Total deposits
  • $172,095Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 5141.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $1,040Subordinated debt
  • $16,263All other liabilities
  • $16,263Total equity capital
  • $16,263Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $9,400Surplus
  • $6,862Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $599Income earned, not collected on loans
  • $0Earning assets
  • $702Long-term assets (5+ years)
  • $180,767Average Assets, year-to-date
  • $45,478Average Assets, quarterly
  • $203,143Volatile liabilities
  • $200,322Insider loans
  • $90,955FHLB advances
  • $199,655Loans and leases held for sale
  • $3,032Unused loan commitments
  • $3,032Tier 1 (core) risk-based capital
  • $15,561Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,051Restructured Loans and leases
  • $547Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,507Total interest income
  • $1,691Total interest expense
  • $5,816Net interest income
  • $785Provision for loan and lease losses
  • -$1,271Total noninterest income
  • $0Fiduciary activities
  • $516Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,787Additional noninterest income
  • $7,045Total noninterest expense
  • $3,388Salaries and employee benefits
  • $1,235Premises and equipment expense
  • $2,422Additional noninterest expense
  • -$3,285Pre-tax net operating income
  • $414Securities gains (losses)
  • $370Applicable income taxes
  • -$3,241Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,241Net income attributable to bank
  • $0Net charge-offs
  • -$3,241Cash dividends
  • $1,642Sale, conversion, retirement of capital stock, net
  • $58Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.01%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.10%Net interest margin
  • -0.68%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • -1.80%Net operating income to assets
  • -1.60%Return on assets (ROA)
  • -1.41%Pretax return on assets
  • -18.36%Return on equity (ROE)
  • -18.69%Retained earnings to average equity (YTD only)
  • 1.66%Net charge-offs to loans
  • 47.81%Credit loss provision to net charge-offs
  • -1.52%Efficiency ratio
  • 153,597Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -1.79%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 277.96%Noncurrent assets plus other real estate owned to assets
  • 1.96%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 55.05%Net loans and leases to core deposits
  • 55.67%Equity capital to assets
  • 8.23%Core capital (leverage) ratio
  • 7.79%Tier 1 risk-based capital ratio
  • 17.11%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $203,143Average earning assets
  • $17,653Average equity
  • $187,390Average loans

List of branches

  • 11 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043198First Home Savings Bank142 East First Street, Mountain Grove, MO 65711January 01, 1911Full Service Brick and Mortar
    1280171103 South Clay Branch103 South Clay, Marshfield, MO 65706January 01, 1911Full Service Brick and Mortar
    1002801721201 North Jefferson Branch1208 North Jefferson, Ava, MO 65608January 01, 1911Full Service Brick and Mortar
    101280173Gainesville Branch203 Elm Street, Gainesville, MO 65655September 01, 1992Full Service Brick and Mortar
    102280174Sparta Branch7164 Highway 14 East, Sparta, MO 65753June 30, 1996Full Service Brick and Mortar
    1031074Crane Branch123 Main Street, Crane, MO 65633January 01, 1904Full Service Brick and Mortar
    104189930Galena Drive-In Branch112 E 5th Street, Galena, MO 65656November 27, 1972Limited Service Facility
    105280175Business Highway 160 BranchBusiness Highway 160, Theodosia, MO 65761Febuary 20, 1997Full Service Brick and Mortar
    106461410South Cambell Branch2655 South Campbell, Springfield, MO 65807June 30, 2006Full Service Brick and Mortar
    107461411Rockaway Beach Branch2536 State Highway 176, Rockaway Beach, MO 65740June 30, 2006Full Service Brick and Mortar
    108461412Forsth Branch20377 U.S. Highway 160, Forsyth, MO 65653June 30, 2006Full Service Brick and Mortar

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