Call reports 2005
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2005
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 216,583,000 | 225,268,000 | 233,504,000 | 239,970,000 |
| Total loans | 158,209,000 | 172,151,000 | 177,200,000 | 183,887,000 |
| Allowance for loan losses | 604,000 | 635,000 | 665,000 | 674,000 |
| Securities available for sale | 21,734,000 | 21,788,000 | 21,608,000 | 21,498,000 |
| Securities held to maturity | 6,173,000 | 5,895,000 | 5,554,000 | 5,254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,387,000 | 194,774,000 | 194,848,000 | 199,632,000 |
| Interest-bearing deposits | 185,820,000 | 185,967,000 | 186,667,000 | 190,826,000 |
| Noninterest-bearing deposits | 5,567,000 | 8,807,000 | 8,181,000 | 8,806,000 |
| Equity capital | 22,476,000 | 22,603,000 | 22,652,000 | 22,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,883,000 | 5,969,000 | 9,216,000 | 12,628,000 |
| Interest expense | 1,121,000 | 2,332,000 | 3,697,000 | 5,245,000 |
| Net interest income | 1,762,000 | 3,637,000 | 5,519,000 | 7,383,000 |
| Noninterest income | 134,000 | 302,000 | 535,000 | 723,000 |
| Noninterest expense | 1,337,000 | 2,816,000 | 4,251,000 | 5,721,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 529,000 | 1,063,000 | 1,713,000 | 2,265,000 |
| Income tax | 201,000 | 407,000 | 658,000 | 871,000 |
| Net income | 328,000 | 656,000 | 1,055,000 | 1,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,723,000 | 22,757,000 | 22,864,000 | 22,941,000 |
| Total capital | 23,328,000 | 23,392,000 | 23,529,000 | 23,615,000 |
| Risk-weighted assets | 136,739,000 | 148,650,000 | 155,329,000 | 159,889,000 |