Call reports 2012
HOME CITY FEDERAL SAVINGS BANK — 2012
What HOME CITY FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 143,609,000 | 141,066,000 | 141,661,000 | 142,762,000 |
| Total loans | 118,182,000 | 119,060,000 | 121,778,000 | 122,254,000 |
| Allowance for loan losses | 1,577,000 | 1,738,000 | 1,866,000 | 2,000,000 |
| Securities available for sale | 10,079,000 | 6,413,000 | 6,264,000 | 6,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,716,000 | 111,024,000 | 109,502,000 | 110,112,000 |
| Interest-bearing deposits | 103,420,000 | 103,582,000 | 102,021,000 | 102,241,000 |
| Noninterest-bearing deposits | 9,296,000 | 7,442,000 | 7,481,000 | 7,871,000 |
| Equity capital | 13,154,000 | 13,431,000 | 13,533,000 | 13,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,708,000 | 3,386,000 | 5,064,000 | 6,732,000 |
| Interest expense | 449,000 | 884,000 | 1,293,000 | 1,676,000 |
| Net interest income | 1,259,000 | 2,502,000 | 3,771,000 | 5,056,000 |
| Noninterest income | 56,000 | 105,000 | 227,000 | 315,000 |
| Noninterest expense | 812,000 | 1,574,000 | 2,399,000 | 3,247,000 |
| Provision for loan losses | 120,000 | 270,000 | 390,000 | 550,000 |
| Pretax income | 383,000 | 763,000 | 1,209,000 | 1,574,000 |
| Income tax | 125,000 | 246,000 | 390,000 | 531,000 |
| Net income | 258,000 | 517,000 | 819,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,077,000 | 13,336,000 | 13,438,000 | 13,662,000 |
| Total capital | 14,289,000 | 14,537,000 | 14,634,000 | 14,878,000 |
| Risk-weighted assets | 95,484,000 | 94,283,000 | 94,841,000 | 94,898,000 |
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