Call reports 2011
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2011
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 304,179,000 | 299,996,000 | 296,180,000 | 291,867,000 |
| Total loans | 231,477,000 | 228,702,000 | 224,811,000 | 217,457,000 |
| Allowance for loan losses | 1,984,000 | 2,046,000 | 3,566,000 | 3,562,000 |
| Securities available for sale | 178,000 | 161,000 | 5,598,000 | 5,459,000 |
| Securities held to maturity | 16,120,000 | 15,725,000 | 11,378,000 | 10,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,962,000 | 244,585,000 | 244,836,000 | 242,370,000 |
| Interest-bearing deposits | 236,930,000 | 233,886,000 | 233,199,000 | 230,556,000 |
| Noninterest-bearing deposits | 13,032,000 | 10,699,000 | 11,637,000 | 11,814,000 |
| Equity capital | 23,606,000 | 23,905,000 | 23,312,000 | 23,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,434,000 | 6,820,000 | 10,115,000 | 13,424,000 |
| Interest expense | 1,146,000 | 2,196,000 | 3,151,000 | 3,996,000 |
| Net interest income | 2,288,000 | 4,624,000 | 6,964,000 | 9,428,000 |
| Noninterest income | 233,000 | 431,000 | 603,000 | 792,000 |
| Noninterest expense | 1,892,000 | 3,750,000 | 5,585,000 | 7,574,000 |
| Provision for loan losses | 23,000 | 75,000 | 1,595,000 | 1,628,000 |
| Pretax income | 606,000 | 1,230,000 | 387,000 | 1,018,000 |
| Income tax | 234,000 | 475,000 | 149,000 | 291,000 |
| Net income | 372,000 | 755,000 | 238,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,551,000 | 24,851,000 | 24,250,000 | 24,740,000 |
| Total capital | 26,535,000 | 26,897,000 | 26,852,000 | 27,317,000 |
| Risk-weighted assets | 211,693,000 | 210,130,000 | 207,232,000 | 205,121,000 |