Call reports 2009
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2009
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 313,299,000 | 306,187,000 | 299,509,000 | 302,238,000 |
| Total loans | 242,138,000 | 238,506,000 | 238,828,000 | 241,931,000 |
| Allowance for loan losses | 1,175,000 | 1,175,000 | 1,176,000 | 1,224,000 |
| Securities available for sale | 12,702,000 | 11,434,000 | 5,250,000 | 280,000 |
| Securities held to maturity | 3,229,000 | 2,956,000 | 2,809,000 | 9,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,597,000 | 247,102,000 | 243,283,000 | 235,613,000 |
| Interest-bearing deposits | 234,228,000 | 233,603,000 | 232,241,000 | 224,673,000 |
| Noninterest-bearing deposits | 10,369,000 | 13,499,000 | 11,041,000 | 10,940,000 |
| Equity capital | 22,133,000 | 21,487,000 | 21,627,000 | 22,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,779,000 | 7,486,000 | 10,957,000 | 14,449,000 |
| Interest expense | 2,066,000 | 3,990,000 | 5,806,000 | 7,462,000 |
| Net interest income | 1,713,000 | 3,496,000 | 5,151,000 | 6,987,000 |
| Noninterest income | 270,000 | 506,000 | 727,000 | 1,045,000 |
| Noninterest expense | 1,698,000 | 3,319,000 | 5,173,000 | 6,813,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 285,000 | -463,000 | -176,000 | 413,000 |
| Income tax | 110,000 | 0 | 0 | 58,000 |
| Net income | 175,000 | -463,000 | -176,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,893,000 | 22,255,000 | 22,542,000 | 23,072,000 |
| Total capital | 24,068,000 | 23,430,000 | 23,718,000 | 24,296,000 |
| Risk-weighted assets | 215,273,000 | 210,934,000 | 213,542,000 | 224,164,000 |