Call reports 2012
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2012
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 289,456,000 | 284,429,000 | 286,491,000 | 281,655,000 |
| Total loans | 214,308,000 | 206,630,000 | 202,846,000 | 200,565,000 |
| Allowance for loan losses | 3,616,000 | 3,691,000 | 3,736,000 | 3,739,000 |
| Securities available for sale | 5,183,000 | 4,701,000 | 4,485,000 | 4,154,000 |
| Securities held to maturity | 9,955,000 | 9,222,000 | 8,509,000 | 9,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,348,000 | 238,638,000 | 240,122,000 | 241,372,000 |
| Interest-bearing deposits | 230,422,000 | 227,024,000 | 227,398,000 | 228,067,000 |
| Noninterest-bearing deposits | 11,926,000 | 11,614,000 | 12,724,000 | 13,305,000 |
| Equity capital | 23,584,000 | 23,867,000 | 24,246,000 | 24,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,065,000 | 6,060,000 | 8,935,000 | 11,753,000 |
| Interest expense | 804,000 | 1,563,000 | 2,278,000 | 2,936,000 |
| Net interest income | 2,261,000 | 4,497,000 | 6,657,000 | 8,817,000 |
| Noninterest income | 272,000 | 602,000 | 993,000 | 1,115,000 |
| Noninterest expense | 1,976,000 | 3,974,000 | 5,916,000 | 7,907,000 |
| Provision for loan losses | 45,000 | 147,000 | 192,000 | 237,000 |
| Pretax income | 512,000 | 978,000 | 1,542,000 | 1,788,000 |
| Income tax | 198,000 | 378,000 | 595,000 | 523,000 |
| Net income | 314,000 | 600,000 | 947,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,380,000 | 24,691,000 | 25,687,000 | 26,006,000 |
| Total capital | 26,918,000 | 27,195,000 | 28,169,000 | 28,459,000 |
| Risk-weighted assets | 201,985,000 | 199,105,000 | 197,326,000 | 194,917,000 |