Call reports 2015
HOME CITY FEDERAL SAVINGS BANK — 2015
What HOME CITY FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 152,627,000 | 149,103,000 | 149,938,000 | 153,014,000 |
| Total loans | 126,618,000 | 127,298,000 | 129,698,000 | 130,401,000 |
| Allowance for loan losses | 2,546,000 | 2,563,000 | 2,535,000 | 2,619,000 |
| Securities available for sale | 8,603,000 | 8,228,000 | 6,037,000 | 8,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,485,000 | 108,365,000 | 109,274,000 | 109,971,000 |
| Interest-bearing deposits | 101,707,000 | 99,933,000 | 100,590,000 | 100,551,000 |
| Noninterest-bearing deposits | 8,778,000 | 8,432,000 | 8,684,000 | 9,420,000 |
| Equity capital | 15,443,000 | 15,787,000 | 16,121,000 | 16,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,571,000 | 3,162,000 | 4,756,000 | 6,368,000 |
| Interest expense | 289,000 | 582,000 | 877,000 | 1,184,000 |
| Net interest income | 1,282,000 | 2,580,000 | 3,879,000 | 5,184,000 |
| Noninterest income | 117,000 | 276,000 | 334,000 | 476,000 |
| Noninterest expense | 904,000 | 1,794,000 | 2,659,000 | 3,577,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 50,000 |
| Pretax income | 495,000 | 1,062,000 | 1,521,000 | 2,030,000 |
| Income tax | 166,000 | 352,000 | 501,000 | 638,000 |
| Net income | 329,000 | 710,000 | 1,020,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,432,000 | 15,812,000 | 16,122,000 | 16,495,000 |
| Total capital | 16,695,000 | 17,079,000 | 17,403,000 | 17,828,000 |
| Risk-weighted assets | 99,820,000 | 100,081,000 | 101,236,000 | 105,424,000 |