Call reports 2012
NAUGATUCK VALLEY SAVINGS AND LOAN — 2012
What NAUGATUCK VALLEY SAVINGS AND LOAN 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 | 571,773,000 | 557,614,000 | 544,253,000 | 527,115,000 |
| Total loans | 461,323,000 | 454,290,000 | 442,295,000 | 435,070,000 |
| Allowance for loan losses | 9,793,000 | 10,972,000 | 15,801,000 | 14,500,000 |
| Securities available for sale | 27,131,000 | 25,531,000 | 24,582,000 | 22,584,000 |
| Securities held to maturity | 27,182,000 | 29,378,000 | 27,523,000 | 25,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,342,000 | 429,769,000 | 418,386,000 | 421,310,000 |
| Interest-bearing deposits | 360,310,000 | 350,332,000 | 321,330,000 | 323,617,000 |
| Noninterest-bearing deposits | 66,032,000 | 79,437,000 | 97,056,000 | 97,693,000 |
| Equity capital | 65,251,000 | 64,523,000 | 58,569,000 | 52,568,000 |
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 | 6,615,000 | 12,816,000 | 18,859,000 | 24,714,000 |
| Interest expense | 1,590,000 | 3,034,000 | 4,326,000 | 5,533,000 |
| Net interest income | 5,025,000 | 9,782,000 | 14,533,000 | 19,181,000 |
| Noninterest income | 893,000 | 2,043,000 | 3,324,000 | 4,661,000 |
| Noninterest expense | 5,413,000 | 10,218,000 | 15,264,000 | 20,986,000 |
| Provision for loan losses | 4,545,000 | 6,692,000 | 17,005,000 | 17,725,000 |
| Pretax income | -4,040,000 | -5,085,000 | -14,412,000 | -14,869,000 |
| Income tax | -1,399,000 | -1,782,000 | -4,995,000 | 162,000 |
| Net income | -2,641,000 | -3,303,000 | -9,417,000 | -15,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,854,000 | 62,866,000 | 57,434,000 | 52,618,000 |
| Total capital | 68,812,000 | 67,704,000 | 62,234,000 | 57,162,000 |
| Risk-weighted assets | 396,619,000 | 387,117,000 | 374,066,000 | 352,624,000 |