Call reports 2014
HOME CITY FEDERAL SAVINGS BANK — 2014
What HOME CITY FEDERAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 143,107,000 | 149,929,000 | 147,365,000 | 151,566,000 |
| Total loans | 118,328,000 | 120,533,000 | 120,348,000 | 124,294,000 |
| Allowance for loan losses | 2,161,000 | 2,303,000 | 2,470,000 | 2,536,000 |
| Securities available for sale | 9,908,000 | 9,581,000 | 11,550,000 | 8,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,595,000 | 111,756,000 | 110,555,000 | 108,299,000 |
| Interest-bearing deposits | 98,960,000 | 104,430,000 | 102,745,000 | 99,339,000 |
| Noninterest-bearing deposits | 7,635,000 | 7,326,000 | 7,810,000 | 8,960,000 |
| Equity capital | 14,709,000 | 14,996,000 | 15,182,000 | 15,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,533,000 | 3,068,000 | 4,638,000 | 6,214,000 |
| Interest expense | 270,000 | 570,000 | 866,000 | 1,142,000 |
| Net interest income | 1,263,000 | 2,498,000 | 3,772,000 | 5,072,000 |
| Noninterest income | 111,000 | 220,000 | 311,000 | 387,000 |
| Noninterest expense | 830,000 | 1,690,000 | 2,572,000 | 3,362,000 |
| Provision for loan losses | 60,000 | 220,000 | 380,000 | 440,000 |
| Pretax income | 485,000 | 932,000 | 1,424,000 | 1,950,000 |
| Income tax | 161,000 | 305,000 | 463,000 | 643,000 |
| Net income | 324,000 | 627,000 | 961,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,620,000 | 14,922,000 | 15,257,000 | 15,103,000 |
| Total capital | 15,926,000 | 16,190,000 | 16,451,000 | 16,339,000 |
| Risk-weighted assets | 92,580,000 | 94,163,000 | 94,238,000 | 97,609,000 |
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