Call reports 2006
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2006
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 252,649,000 | 255,362,000 | 265,802,000 | 273,351,000 |
| Total loans | 191,467,000 | 197,868,000 | 204,940,000 | 210,738,000 |
| Allowance for loan losses | 703,000 | 726,000 | 754,000 | 782,000 |
| Securities available for sale | 21,470,000 | 21,389,000 | 21,505,000 | 18,526,000 |
| Securities held to maturity | 5,056,000 | 4,853,000 | 4,674,000 | 4,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,992,000 | 219,542,000 | 229,933,000 | 236,864,000 |
| Interest-bearing deposits | 200,747,000 | 210,999,000 | 220,842,000 | 227,561,000 |
| Noninterest-bearing deposits | 11,245,000 | 8,543,000 | 9,091,000 | 9,303,000 |
| Equity capital | 22,907,000 | 22,916,000 | 22,996,000 | 23,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,613,000 | 7,406,000 | 11,404,000 | 15,539,000 |
| Interest expense | 1,687,000 | 3,602,000 | 5,800,000 | 8,221,000 |
| Net interest income | 1,926,000 | 3,804,000 | 5,604,000 | 7,318,000 |
| Noninterest income | 150,000 | 307,000 | 520,000 | 804,000 |
| Noninterest expense | 1,448,000 | 2,957,000 | 4,554,000 | 6,177,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 598,000 | 1,094,000 | 1,480,000 | 1,825,000 |
| Income tax | 229,000 | 421,000 | 571,000 | 618,000 |
| Net income | 369,000 | 673,000 | 909,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,108,000 | 23,127,000 | 23,099,000 | 23,098,000 |
| Total capital | 23,811,000 | 23,853,000 | 23,853,000 | 23,880,000 |
| Risk-weighted assets | 167,537,000 | 170,604,000 | 178,838,000 | 183,399,000 |
Machine access — free, no API key
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