Call reports 2007
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2007
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 276,780,000 | 283,236,000 | 290,546,000 | 291,623,000 |
| Total loans | 212,221,000 | 216,053,000 | 217,839,000 | 224,865,000 |
| Allowance for loan losses | 815,000 | 845,000 | 843,000 | 942,000 |
| Securities available for sale | 17,525,000 | 12,509,000 | 12,519,000 | 10,484,000 |
| Securities held to maturity | 4,328,000 | 4,162,000 | 4,004,000 | 3,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,646,000 | 251,091,000 | 258,609,000 | 259,272,000 |
| Interest-bearing deposits | 235,310,000 | 239,086,000 | 248,560,000 | 257,577,000 |
| Noninterest-bearing deposits | 9,336,000 | 12,004,000 | 10,049,000 | 1,695,000 |
| Equity capital | 22,160,000 | 22,055,000 | 22,018,000 | 22,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,292,000 | 8,710,000 | 13,192,000 | 17,710,000 |
| Interest expense | 2,528,000 | 5,185,000 | 7,991,000 | 10,794,000 |
| Net interest income | 1,764,000 | 3,525,000 | 5,201,000 | 6,916,000 |
| Noninterest income | 215,000 | 437,000 | 672,000 | 944,000 |
| Noninterest expense | 1,641,000 | 3,304,000 | 4,848,000 | 6,372,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 170,000 |
| Pretax income | 308,000 | 598,000 | 955,000 | 1,318,000 |
| Income tax | 119,000 | 231,000 | 369,000 | 426,000 |
| Net income | 189,000 | 367,000 | 586,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,992,000 | 22,875,000 | 22,806,000 | 22,772,000 |
| Total capital | 23,807,000 | 23,720,000 | 23,649,000 | 23,714,000 |
| Risk-weighted assets | 187,684,000 | 188,990,000 | 194,024,000 | 198,034,000 |