Call reports 2017
HOME CITY FEDERAL SAVINGS BANK — 2017
What HOME CITY FEDERAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 162,839,000 | 166,302,000 | 166,961,000 | 165,165,000 |
| Total loans | 139,142,000 | 142,638,000 | 144,655,000 | 144,161,000 |
| Allowance for loan losses | 2,618,000 | 1,770,000 | 1,778,000 | 1,737,000 |
| Securities available for sale | 9,079,000 | 8,791,000 | 6,029,000 | 5,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,235,000 | 118,445,000 | 120,865,000 | 118,875,000 |
| Interest-bearing deposits | 106,012,000 | 109,568,000 | 111,397,000 | 108,387,000 |
| Noninterest-bearing deposits | 9,223,000 | 8,877,000 | 9,468,000 | 10,488,000 |
| Equity capital | 17,226,000 | 18,253,000 | 18,719,000 | 19,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,669,000 | 3,404,000 | 5,209,000 | 7,005,000 |
| Interest expense | 320,000 | 676,000 | 1,055,000 | 1,423,000 |
| Net interest income | 1,349,000 | 2,728,000 | 4,154,000 | 5,582,000 |
| Noninterest income | 106,000 | 572,000 | 695,000 | 799,000 |
| Noninterest expense | 640,000 | 1,823,000 | 2,679,000 | 3,543,000 |
| Provision for loan losses | 0 | -800,000 | -800,000 | -800,000 |
| Pretax income | 815,000 | 2,277,000 | 2,970,000 | 3,638,000 |
| Income tax | 192,000 | 636,000 | 871,000 | 1,091,000 |
| Net income | 623,000 | 1,641,000 | 2,099,000 | 2,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,262,000 | 18,279,000 | 18,736,000 | 19,184,000 |
| Total capital | 18,634,000 | 19,682,000 | 20,166,000 | 20,577,000 |
| Risk-weighted assets | 108,531,000 | 111,899,000 | 114,120,000 | 111,140,000 |