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Home Building and Loan Company, The

Greenfield, OH · Cert 32295

FDIC · 1 branch

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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 Building and Loan Company, The

Greenfield, OH · Cert 32295

FDIC · 1 branch

Q2 2014

$36.4MAssets
$9.5MLoans
$31.3MDeposits
$5.0MEquity
Deposit mix
100%Interest-bearing $31.2M0%Noninterest $0.1MQ2 2013Q2 2014

NIM

2.84%Q2 ’122.73%Q2 ’132.70%Q2 ’14-5%+5%

Non-interest income vs. expense

3.20%Q2 ’122.78%Q2 ’132.65%Q2 ’14-27%-1%

Executive Summary

  • Earnings: ROA of -0.19%, up 250 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 30.38% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.19%+250 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+11 bps YoY

Efficiency Ratio (YTD, annualized)

107.36%-507 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-2.68%-2.13%-1.91%-0.47%-0.19%+250 bps
Return on Equity-20.40%-16.18%-14.48%-3.57%-1.39%+1,901 bps
Net Interest Margin2.29%2.27%2.30%2.28%2.40%+11 bps
Efficiency Ratio112.43%123.44%134.24%119.73%107.36%-507 bps
Non-Interest Burden2.60%2.80%3.02%2.74%2.58%-2 bps
Growth
Asset Growth (YoY)-3.37%-6.11%-7.30%-9.39%-11.76%-838 bps
Loan Growth (YoY)-19.78%-18.65%-20.00%-20.42%-18.08%+170 bps
Deposit Growth (YoY)-1.72%-5.14%-6.35%-10.12%-12.83%-1,112 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.30%4.72%3.65%0.00%-0.06%-636 bps
Allowance / Loans5.36%5.25%5.71%5.99%6.36%+100 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital41.37%42.86%36.96%37.48%39.38%-199 bps
Equity / Assets12.77%13.18%13.19%13.26%13.79%+102 bps
Liquidity & Funding
Loans / Deposits32.32%33.02%31.77%30.71%30.38%-195 bps
Liquid Assets / Assets68.89%68.62%69.09%69.90%70.99%+209 bps
CRE / Total Capitaln/an/an/an/an/an/an/a