Call reports 2013
HOME SAVINGS BANK OF ALBEMARLE, INC., SSB — 2013
What HOME SAVINGS BANK OF ALBEMARLE, INC., SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 278,168,000 | 276,089,000 | 274,071,000 | 279,179,000 |
| Total loans | 198,395,000 | 194,531,000 | 195,487,000 | 194,853,000 |
| Allowance for loan losses | 3,772,000 | 3,615,000 | 3,645,000 | 3,487,000 |
| Securities available for sale | 5,859,000 | 5,341,000 | 5,044,000 | 1,840,000 |
| Securities held to maturity | 9,099,000 | 8,421,000 | 7,977,000 | 11,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,327,000 | 238,127,000 | 238,116,000 | 235,170,000 |
| Interest-bearing deposits | 226,349,000 | 225,315,000 | 225,508,000 | 223,189,000 |
| Noninterest-bearing deposits | 13,978,000 | 12,812,000 | 12,608,000 | 11,981,000 |
| Equity capital | 24,889,000 | 24,908,000 | 24,977,000 | 25,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,689,000 | 5,289,000 | 7,868,000 | 10,432,000 |
| Interest expense | 609,000 | 1,199,000 | 1,774,000 | 2,325,000 |
| Net interest income | 2,080,000 | 4,090,000 | 6,094,000 | 8,107,000 |
| Noninterest income | 196,000 | 242,000 | 265,000 | 478,000 |
| Noninterest expense | 1,850,000 | 3,653,000 | 5,524,000 | 7,616,000 |
| Provision for loan losses | 45,000 | 160,000 | 205,000 | 235,000 |
| Pretax income | 381,000 | 519,000 | 630,000 | 783,000 |
| Income tax | 147,000 | 200,000 | 243,000 | 303,000 |
| Net income | 234,000 | 319,000 | 387,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,239,000 | 26,325,000 | 26,392,000 | 26,208,000 |
| Total capital | 28,653,000 | 28,695,000 | 28,764,000 | 28,569,000 |
| Risk-weighted assets | 191,802,000 | 188,339,000 | 188,481,000 | 187,705,000 |
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