Home City Federal Savings Bank of Springfield in Springfield, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Home City Federal Savings Bank of Springfield in Springfield, Ohio (OH)
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Home City Federal Savings Bank of Springfield - Overview

  • General
  • FDIC Certificate #: 28554
    Status: Active
    Federal Reserve ID: 605973
    Date Established: January 01, 1925
    WWW: http://www.homecityfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 1830
    FDIC's unique #: 41388
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 13, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2454 North Limestone Street, Springfield, OH 45503
    County: Clark
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Springfield, OH (#44220)
    CBSA Metro Statistical Area: Springfield, OH (#44220)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $143.7 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $113.8 mil
    Return on assets (ROA): 0.64% ($0.9 mil)
    Quarterly return on assets: 0.84% ($1.2 mil)
    Return on Equity (ROE): 7.21% ($0.9 mil)
    Quarterly return on equity: 9.15% ($1.2 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.95% ($1,365.5 mil)
    Quarterly Pretax return on assets: 1.19% ($1,710.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $143,734Total assets
  • $5,638Cash and due from depository institutions
  • $4,990Interest-bearing balances
  • $10,243Securities
  • $33Federal funds sold & reverse repurchase agreements
  • $115,899Net loans & leases
  • $1,503Loan loss allowance
  • $0Trading account assets
  • $2,487Bank premises and fixed assets
  • $859Other real estate owned
  • $0Goodwill and other intangibles
  • $143,734Life insurance assets
  • $8,575All other assets
  • $130,825Total liabilities and capital
  • $113,819Total liabilities
  • $104,242Total deposits
  • $113,819Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,202Trading liabilities
  • $0Other borrowed funds
  • $1,804Subordinated debt
  • $12,909All other liabilities
  • $12,909Total equity capital
  • $12,909Total bank equity capital
  • $0Perpetual preferred stock
  • $4,555Common stock
  • $0Surplus
  • $8,354Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,257Income earned, not collected on loans
  • $0Earning assets
  • $474Long-term assets (5+ years)
  • $131,165Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $141,033Volatile liabilities
  • $140,235Insider loans
  • $93,734FHLB advances
  • $143,662Loans and leases held for sale
  • $4,231Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,837Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,724Restructured Loans and leases
  • $1,411Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,767Total interest income
  • $2,128Total interest expense
  • $4,639Net interest income
  • $725Provision for loan and lease losses
  • $527Total noninterest income
  • $0Fiduciary activities
  • $19Service charges on deposit accounts
  • $0Trading account gains & fees
  • $508Additional noninterest income
  • $3,203Total noninterest expense
  • $1,780Salaries and employee benefits
  • $678Premises and equipment expense
  • $745Additional noninterest expense
  • $1,238Pre-tax net operating income
  • $95Securities gains (losses)
  • $429Applicable income taxes
  • $904Income before extraordinary items
  • $0Extraordinary gains - net
  • $904Net income attributable to bank
  • $0Net charge-offs
  • $904Cash dividends
  • $725Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 1.65%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 7.21%Return on equity (ROE)
  • 4.82%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 2.71%Efficiency ratio
  • 62,002Assets per employee
  • 5.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.19%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 119.57%Noncurrent assets plus other real estate owned to assets
  • 1.35%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 101.83%Net loans and leases to core deposits
  • 109.06%Equity capital to assets
  • 8.98%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 13.70%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $141,033Average earning assets
  • $12,537Average equity
  • $128,585Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041388Home City Federal Savings Bank Of Sp2454 North Limestone Street, Springfield, OH 45503January 01, 1925Full Service Brick and Mortar
    1464120West Main Branch63 West Main Street, Springfield, OH 45502June 20, 2007Full Service Brick and Mortar

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