Call reports 2002
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2002
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 210,417,000 | 210,923,000 | 220,043,000 | 222,295,000 |
| Total loans | 174,908,000 | 178,714,000 | 178,338,000 | 172,708,000 |
| Allowance for loan losses | 424,000 | 424,000 | 424,000 | 523,000 |
| Securities available for sale | 15,691,000 | 11,372,000 | 11,512,000 | 11,311,000 |
| Securities held to maturity | 4,176,000 | 3,912,000 | 3,534,000 | 3,244,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,557,000 | 168,679,000 | 173,415,000 | 176,091,000 |
| Interest-bearing deposits | 165,706,000 | 164,006,000 | 170,104,000 | 172,922,000 |
| Noninterest-bearing deposits | 2,851,000 | 4,673,000 | 3,311,000 | 3,169,000 |
| Equity capital | 21,952,000 | 22,093,000 | 22,296,000 | 22,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,603,000 | 7,092,000 | 10,531,000 | 13,904,000 |
| Interest expense | 1,872,000 | 3,617,000 | 5,327,000 | 6,937,000 |
| Net interest income | 1,731,000 | 3,475,000 | 5,204,000 | 6,967,000 |
| Noninterest income | 36,000 | 80,000 | 196,000 | 273,000 |
| Noninterest expense | 1,258,000 | 2,499,000 | 3,760,000 | 5,019,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 509,000 | 1,056,000 | 1,639,000 | 2,120,000 |
| Income tax | 183,000 | 383,000 | 597,000 | 769,000 |
| Net income | 326,000 | 673,000 | 1,042,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,989,000 | 22,064,000 | 22,176,000 | 22,252,000 |
| Total capital | 22,413,000 | 22,489,000 | 22,600,000 | 22,775,000 |
| Risk-weighted assets | 120,411,000 | 123,095,000 | 125,782,000 | 124,548,000 |