Call reports 2010
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2010
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 304,774,000 | 312,408,000 | 310,440,000 | 306,051,000 |
| Total loans | 238,173,000 | 240,810,000 | 237,812,000 | 234,472,000 |
| Allowance for loan losses | 1,234,000 | 1,450,000 | 1,484,000 | 2,006,000 |
| Securities available for sale | 258,000 | 238,000 | 220,000 | 199,000 |
| Securities held to maturity | 11,227,000 | 16,029,000 | 14,606,000 | 16,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,773,000 | 250,980,000 | 254,169,000 | 253,301,000 |
| Interest-bearing deposits | 226,750,000 | 239,306,000 | 227,620,000 | 240,559,000 |
| Noninterest-bearing deposits | 11,023,000 | 11,674,000 | 26,549,000 | 12,742,000 |
| Equity capital | 22,534,000 | 22,814,000 | 23,126,000 | 23,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,575,000 | 7,168,000 | 10,768,000 | 14,354,000 |
| Interest expense | 1,521,000 | 2,984,000 | 4,379,000 | 5,655,000 |
| Net interest income | 2,054,000 | 4,184,000 | 6,389,000 | 8,699,000 |
| Noninterest income | 200,000 | 552,000 | 832,000 | 1,234,000 |
| Noninterest expense | 1,760,000 | 3,559,000 | 5,358,000 | 7,269,000 |
| Provision for loan losses | 25,000 | 250,000 | 301,000 | 827,000 |
| Pretax income | 469,000 | 927,000 | 1,562,000 | 1,837,000 |
| Income tax | 181,000 | 358,000 | 603,000 | 500,000 |
| Net income | 288,000 | 569,000 | 959,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,361,000 | 23,642,000 | 23,954,000 | 24,255,000 |
| Total capital | 24,595,000 | 25,092,000 | 25,438,000 | 26,261,000 |
| Risk-weighted assets | 211,985,000 | 214,905,000 | 222,445,000 | 220,663,000 |