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Letter portraitLegal landscapeQuarterYTD

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

3.10%Q2 ’122.98%Q2 ’132.73%Q2 ’14-5%-2%

Non-interest income vs. expense

2.62%Q2 ’122.37%Q2 ’132.45%Q2 ’14-31%+17%

Executive Summary

  • Earnings: ROA of 0.11%, down 8 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.13%.
  • Funding: loans stand at 30.38% of deposits as of Q2 2014.

Financial Results

Return on Assets (quarter, annualized)

0.11%-8 bps YoY

Net Interest Margin (quarter, annualized)

2.47%-6 bps YoY

Efficiency Ratio (quarter, annualized)

95.82%+1,348 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.18%-0.96%-1.21%-0.47%0.11%-8 bps
Return on Equity1.44%-7.43%-9.15%-3.57%0.80%-65 bps
Net Interest Margin2.53%2.09%2.15%2.28%2.47%-6 bps
Efficiency Ratio82.33%156.40%193.60%119.73%95.82%+1,348 bps
Non-Interest Burden2.02%3.05%3.35%2.74%2.36%+35 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 / Loans8.87%1.14%-0.46%0.00%-0.13%-899 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