Call reports 2016
HOME CITY FEDERAL SAVINGS BANK — 2016
What HOME CITY FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 152,893,000 | 154,653,000 | 155,951,000 | 155,819,000 |
| Total loans | 130,300,000 | 132,230,000 | 133,210,000 | 133,657,000 |
| Allowance for loan losses | 2,618,000 | 2,572,000 | 2,616,000 | 2,610,000 |
| Securities available for sale | 8,627,000 | 6,009,000 | 5,708,000 | 7,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,153,000 | 112,082,000 | 114,448,000 | 116,406,000 |
| Interest-bearing deposits | 101,207,000 | 100,867,000 | 103,512,000 | 106,154,000 |
| Noninterest-bearing deposits | 9,946,000 | 11,215,000 | 10,936,000 | 10,252,000 |
| Equity capital | 16,393,000 | 16,769,000 | 17,183,000 | 16,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,615,000 | 3,225,000 | 4,860,000 | 6,506,000 |
| Interest expense | 301,000 | 609,000 | 925,000 | 1,238,000 |
| Net interest income | 1,314,000 | 2,616,000 | 3,935,000 | 5,268,000 |
| Noninterest income | 134,000 | 251,000 | 494,000 | 690,000 |
| Noninterest expense | 904,000 | 1,785,000 | 2,652,000 | 3,490,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 70,000 |
| Pretax income | 544,000 | 1,082,000 | 1,707,000 | 2,399,000 |
| Income tax | 180,000 | 355,000 | 561,000 | 757,000 |
| Net income | 364,000 | 727,000 | 1,146,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,360,000 | 16,722,000 | 17,142,000 | 16,638,000 |
| Total capital | 17,646,000 | 18,053,000 | 18,500,000 | 18,003,000 |
| Risk-weighted assets | 101,602,000 | 105,311,000 | 107,419,000 | 107,971,000 |