Call reports 2003
NAUGATUCK VALLEY SAVINGS AND LOAN — 2003
What NAUGATUCK VALLEY SAVINGS AND LOAN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 231,003,000 | 238,230,000 | 236,414,000 | 244,014,000 |
| Total loans | 171,735,000 | 167,936,000 | 171,500,000 | 182,193,000 |
| Allowance for loan losses | 1,942,000 | 1,795,000 | 1,810,000 | 1,810,000 |
| Securities available for sale | 35,264,000 | 36,461,000 | 42,604,000 | 37,166,000 |
| Securities held to maturity | 700,000 | 700,000 | 706,000 | 706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,136,000 | 188,839,000 | 188,399,000 | 186,565,000 |
| Interest-bearing deposits | 168,509,000 | 180,234,000 | 179,611,000 | 175,850,000 |
| Noninterest-bearing deposits | 12,627,000 | 8,605,000 | 8,788,000 | 10,715,000 |
| Equity capital | 20,201,000 | 20,979,000 | 20,956,000 | 21,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,281,000 | 6,466,000 | 9,582,000 | 12,721,000 |
| Interest expense | 1,172,000 | 2,261,000 | 3,270,000 | 4,242,000 |
| Net interest income | 2,109,000 | 4,205,000 | 6,312,000 | 8,479,000 |
| Noninterest income | 217,000 | 521,000 | 718,000 | 1,055,000 |
| Noninterest expense | 1,641,000 | 3,318,000 | 4,996,000 | 6,862,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 646,000 | 1,369,000 | 1,995,000 | 2,628,000 |
| Income tax | 217,000 | 448,000 | 646,000 | 822,000 |
| Net income | 429,000 | 921,000 | 1,349,000 | 1,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,255,000 | 19,756,000 | 20,192,000 | 20,658,000 |
| Total capital | 20,862,000 | 21,459,000 | 21,942,000 | 22,387,000 |
| Risk-weighted assets | 128,238,000 | 136,118,000 | 139,960,000 | 138,130,000 |