Home City Federal Savings Bank of Springfield

Home City Federal Savings Bank of Springfield is headquartered in Springfield and is the 114^st largest bank in the state of Ohio. It is also the 3,990^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 27 employees at 2 locations. Home City Federal Savings Bank of Springfield has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Home City Federal Savings Bank of Springfield OTS # 01830 FDIC Certificate # 28554 BankRate Report View Year Established 1925 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $143.61 million Loans $116.61 million Deposits $112.72 million Equity Capital $13.15 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $1.14 million Real Estate Owned $704,000 Historic Data - March 2011 Assets $140.13 million Equity Capital $12.35 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $1.87 million Real Estate Owned $810,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 0.72% Return on Equity 7.92% Interest Income $1.71 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Home City Federal Savings Bank of Springfield had $1.84 million in non-current loans and owned real-estate with $14.73 million in equity and loan loss allowances on hand to cover it. This gives Home City Federal Savings Bank of Springfield a Texas Ratio of 12.51% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Home City Federal Savings Bank of Springfield decreased slightly from 18.50% as of March 31, 2011 to 12.51% as of March 31, 2012, resulting in a positive change of 32.36%.This indicates that the balance sheet and financial strength for Home City Federal Savings Bank of Springfield has improved slightly in recent periods. Deposit Growth In the past year, Home City Federal Savings Bank of Springfield has increased its total deposits by $2.27 million, resulting in 2.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home City Federal Savings Bank of Springfield has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home City Federal Savings Bank of Springfield has $143.61 million in assets with $14.73 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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