Call reports 2003
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2003
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 219,611,000 | 215,461,000 | 217,175,000 | 216,705,000 |
| Total loans | 169,602,000 | 158,714,000 | 146,597,000 | 143,930,000 |
| Allowance for loan losses | 553,000 | 581,000 | 540,000 | 570,000 |
| Securities available for sale | 9,487,000 | 7,049,000 | 5,126,000 | 17,673,000 |
| Securities held to maturity | 2,680,000 | 2,430,000 | 2,152,000 | 1,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,046,000 | 179,697,000 | 181,309,000 | 181,312,000 |
| Interest-bearing deposits | 174,953,000 | 173,146,000 | 178,222,000 | 178,641,000 |
| Noninterest-bearing deposits | 3,093,000 | 6,551,000 | 3,087,000 | 2,671,000 |
| Equity capital | 22,608,000 | 22,742,000 | 22,712,000 | 22,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,207,000 | 6,236,000 | 8,989,000 | 11,555,000 |
| Interest expense | 1,422,000 | 2,732,000 | 3,949,000 | 5,148,000 |
| Net interest income | 1,785,000 | 3,504,000 | 5,040,000 | 6,407,000 |
| Noninterest income | 63,000 | 235,000 | 408,000 | 599,000 |
| Noninterest expense | 1,283,000 | 2,525,000 | 3,783,000 | 5,145,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 507,000 | 1,102,000 | 1,523,000 | 1,741,000 |
| Income tax | 181,000 | 400,000 | 550,000 | 620,000 |
| Net income | 326,000 | 702,000 | 973,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,525,000 | 22,681,000 | 22,681,000 | 22,601,000 |
| Total capital | 23,078,000 | 23,262,000 | 23,221,000 | 23,171,000 |
| Risk-weighted assets | 128,381,000 | 124,019,000 | 123,235,000 | 124,824,000 |