Call reports 2004
NAUGATUCK VALLEY SAVINGS AND LOAN — 2004
What NAUGATUCK VALLEY SAVINGS AND LOAN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 242,060,000 | 253,659,000 |
| Total loans | 184,128,000 | 191,664,000 |
| Allowance for loan losses | 1,811,000 | 1,825,000 |
| Securities available for sale | 30,404,000 | 30,550,000 |
| Securities held to maturity | 705,000 | 705,000 |
| Trading assets | 0 | 0 |
| Total deposits | 189,332,000 | 202,422,000 |
| Interest-bearing deposits | 177,885,000 | 189,129,000 |
| Noninterest-bearing deposits | 11,447,000 | 13,293,000 |
| Equity capital | 21,656,000 | 21,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Interest income | 3,039,000 | 6,115,000 |
| Interest expense | 936,000 | 1,851,000 |
| Net interest income | 2,103,000 | 4,264,000 |
| Noninterest income | 330,000 | 619,000 |
| Noninterest expense | 1,912,000 | 3,781,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 545,000 | 1,126,000 |
| Income tax | 167,000 | 348,000 |
| Net income | 378,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 21,044,000 | 21,452,000 |
| Total capital | 22,797,000 | 23,277,000 |
| Risk-weighted assets | 140,172,000 | 147,960,000 |