Call reports 2004
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2004
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 210,041,000 | 208,493,000 | 211,699,000 | 212,601,000 |
| Total loans | 144,046,000 | 142,222,000 | 149,857,000 | 153,288,000 |
| Allowance for loan losses | 599,000 | 550,000 | 548,000 | 574,000 |
| Securities available for sale | 13,947,000 | 19,461,000 | 19,346,000 | 16,113,000 |
| Securities held to maturity | 7,512,000 | 7,101,000 | 6,790,000 | 6,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,519,000 | 183,030,000 | 186,615,000 | 187,389,000 |
| Interest-bearing deposits | 180,716,000 | 178,833,000 | 182,219,000 | 183,839,000 |
| Noninterest-bearing deposits | 3,803,000 | 4,197,000 | 4,396,000 | 3,550,000 |
| Equity capital | 22,622,000 | 22,447,000 | 22,482,000 | 22,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,599,000 | 5,154,000 | 7,796,000 | 10,536,000 |
| Interest expense | 1,118,000 | 2,191,000 | 3,281,000 | 4,405,000 |
| Net interest income | 1,481,000 | 2,963,000 | 4,515,000 | 6,131,000 |
| Noninterest income | 142,000 | 283,000 | 424,000 | 648,000 |
| Noninterest expense | 1,331,000 | 2,688,000 | 3,991,000 | 5,104,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 90,000 |
| Pretax income | 262,000 | 498,000 | 888,000 | 1,585,000 |
| Income tax | 79,000 | 154,000 | 310,000 | 576,000 |
| Net income | 183,000 | 344,000 | 578,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,595,000 | 22,528,000 | 22,527,000 | 22,689,000 |
| Total capital | 23,194,000 | 23,078,000 | 23,075,000 | 23,263,000 |
| Risk-weighted assets | 122,964,000 | 121,550,000 | 128,228,000 | 132,179,000 |
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