Call reports 2008
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2008
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 294,057,000 | 297,900,000 | 298,909,000 | 308,513,000 |
| Total loans | 225,821,000 | 233,987,000 | 238,234,000 | 245,041,000 |
| Allowance for loan losses | 972,000 | 943,000 | 802,000 | 1,170,000 |
| Securities available for sale | 8,361,000 | 9,656,000 | 9,879,000 | 10,868,000 |
| Securities held to maturity | 3,735,000 | 3,592,000 | 3,468,000 | 3,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,782,000 | 244,840,000 | 242,438,000 | 242,138,000 |
| Interest-bearing deposits | 251,292,000 | 234,091,000 | 232,096,000 | 230,799,000 |
| Noninterest-bearing deposits | 10,490,000 | 10,749,000 | 10,342,000 | 11,339,000 |
| Equity capital | 21,791,000 | 22,031,000 | 22,342,000 | 21,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,201,000 | 8,126,000 | 12,120,000 | 15,953,000 |
| Interest expense | 2,692,000 | 5,085,000 | 7,378,000 | 9,607,000 |
| Net interest income | 1,509,000 | 3,041,000 | 4,742,000 | 6,346,000 |
| Noninterest income | 215,000 | 835,000 | 1,073,000 | 1,234,000 |
| Noninterest expense | 1,564,000 | 3,167,000 | 4,816,000 | 6,714,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 350,000 |
| Pretax income | 130,000 | 659,000 | 949,000 | 516,000 |
| Income tax | 50,000 | 251,000 | 363,000 | 88,000 |
| Net income | 80,000 | 408,000 | 586,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,370,000 | 22,937,000 | 23,219,000 | 22,718,000 |
| Total capital | 23,342,000 | 23,880,000 | 24,021,000 | 23,888,000 |
| Risk-weighted assets | 201,678,000 | 210,736,000 | 214,767,000 | 220,218,000 |
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