Call reports 2013
HOME CITY FEDERAL SAVINGS BANK — 2013
What HOME CITY FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 143,883,000 | 143,419,000 | 145,175,000 | 143,571,000 |
| Total loans | 118,609,000 | 118,139,000 | 118,266,000 | 117,955,000 |
| Allowance for loan losses | 2,012,000 | 2,040,000 | 2,066,000 | 2,091,000 |
| Securities available for sale | 5,791,000 | 10,072,000 | 12,580,000 | 12,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,276,000 | 109,719,000 | 108,840,000 | 106,757,000 |
| Interest-bearing deposits | 104,387,000 | 100,213,000 | 100,811,000 | 99,079,000 |
| Noninterest-bearing deposits | 7,889,000 | 9,506,000 | 8,029,000 | 7,678,000 |
| Equity capital | 14,069,000 | 13,666,000 | 14,008,000 | 14,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,201,000 | 4,793,000 | 6,358,000 |
| Interest expense | 347,000 | 644,000 | 950,000 | 1,240,000 |
| Net interest income | 1,267,000 | 2,557,000 | 3,843,000 | 5,118,000 |
| Noninterest income | 139,000 | 239,000 | 323,000 | 320,000 |
| Noninterest expense | 869,000 | 1,716,000 | 2,546,000 | 3,398,000 |
| Provision for loan losses | 120,000 | 270,000 | 330,000 | 430,000 |
| Pretax income | 417,000 | 838,000 | 1,318,000 | 1,638,000 |
| Income tax | 137,000 | 267,000 | 435,000 | 505,000 |
| Net income | 280,000 | 571,000 | 883,000 | 1,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,942,000 | 13,732,000 | 14,044,000 | 14,295,000 |
| Total capital | 15,152,000 | 14,939,000 | 15,251,000 | 15,571,000 |
| Risk-weighted assets | 92,666,000 | 92,963,000 | 92,678,000 | 92,588,000 |
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