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Home City Federal Savings Bank

Springfield, OH · Cert 28554

FDIC · 2 branches

Q3 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Home City Federal Savings Bank

Springfield, OH · Cert 28554

FDIC · 2 branches

Q3 2018

$170.0MAssets
$148.5MLoans
$119.4MDeposits
$19.5MEquity
Loan mix
92%RE $132.5M7%C&I $9.8M1%Consumer $2.0MQ3 2017Q3 2018
Deposit mix
92%Interest-bearing $109.5M8%Noninterest $10.0MQ3 2017Q3 2018

NIM

4.15%Q3 ’164.16%Q3 ’174.42%Q3 ’18-1%+3%

Non-interest income vs. expense

2.26%Q3 ’162.14%Q3 ’172.19%Q3 ’18-14%+19%

Market Position · Springfield, OH · 2018 SOD (annual) · 7.6% share · #4 of 12 inst. · $0.1B of $1.5B

Executive Summary

  • Earnings: ROA of 1.20%, down 51 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.08% of loans (-9 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.78%, up 57 bps from a year ago.
  • Funding: loans stand at 124.33% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

1.20%-51 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+10 bps YoY

Efficiency Ratio (YTD, annualized)

59.01%+376 bps YoY

Tier 1 Leverage Ratio

11.78%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets1.72%1.56%1.25%1.24%1.20%-51 bps
Return on Equity15.81%14.16%10.73%10.55%10.28%-553 bps
Net Interest Margin3.31%3.38%3.41%3.40%3.41%+10 bps
Efficiency Ratio55.25%55.52%57.07%57.57%59.01%+376 bps
Non-Interest Burden1.58%1.66%1.82%1.83%1.89%+31 bps
Growth
Asset Growth (YoY)7.06%6.00%2.95%-0.27%1.82%-524 bps
Loan Growth (YoY)8.59%7.86%4.36%1.86%2.66%-593 bps
Deposit Growth (YoY)5.61%2.12%3.75%-0.73%-1.17%-678 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.21%0.12%0.10%0.08%-9 bps
Net Charge-Offs / Loans0.03%0.05%-0.01%0.02%0.02%-1 bps
Allowance / Loans1.23%1.20%1.20%1.18%1.15%-8 bps
Allowance Coverage of NPLs7.5x5.8x10.4x11.4x14.9x+7.4x
Capital
Tier 1 Leverage Ratio11.21%11.61%11.88%12.17%11.78%+57 bps
Total Risk-Based Capital17.67%18.51%18.95%19.13%18.32%+65 bps
Equity / Assets11.21%11.59%11.68%12.10%11.49%+28 bps
Liquidity & Funding
Loans / Deposits119.68%121.27%121.46%123.57%124.33%+465 bps
Liquid Assets / Assets3.78%3.51%4.57%3.69%4.23%+45 bps
CRE / Total Capitaln/an/an/an/an/an/an/a