Call reports 2013
NAUGATUCK VALLEY SAVINGS AND LOAN — 2013
What NAUGATUCK VALLEY SAVINGS AND LOAN 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 | 528,134,000 | 519,803,000 | 489,289,000 | 488,631,000 |
| Total loans | 428,793,000 | 402,046,000 | 392,488,000 | 371,550,000 |
| Allowance for loan losses | 14,253,000 | 10,746,000 | 10,848,000 | 9,891,000 |
| Securities available for sale | 21,294,000 | 20,174,000 | 27,986,000 | 49,772,000 |
| Securities held to maturity | 23,433,000 | 21,495,000 | 19,257,000 | 18,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,113,000 | 421,646,000 | 399,174,000 | 401,014,000 |
| Interest-bearing deposits | 309,834,000 | 307,437,000 | 331,194,000 | 331,923,000 |
| Noninterest-bearing deposits | 107,279,000 | 114,209,000 | 67,980,000 | 69,091,000 |
| Equity capital | 51,963,000 | 51,844,000 | 50,304,000 | 53,856,000 |
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 | 5,472,000 | 10,999,000 | 15,767,000 | 20,718,000 |
| Interest expense | 1,116,000 | 2,154,000 | 3,014,000 | 3,823,000 |
| Net interest income | 4,356,000 | 8,845,000 | 12,753,000 | 16,895,000 |
| Noninterest income | 889,000 | 1,703,000 | 2,347,000 | 3,081,000 |
| Noninterest expense | 5,514,000 | 11,956,000 | 17,199,000 | 22,304,000 |
| Provision for loan losses | 300,000 | 3,850,000 | 4,150,000 | 4,150,000 |
| Pretax income | -569,000 | -5,258,000 | -6,249,000 | -8,290,000 |
| Income tax | 0 | 0 | 0 | 381,000 |
| Net income | -569,000 | -5,258,000 | -6,249,000 | -8,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,048,000 | 52,359,000 | 51,368,000 | 53,946,000 |
| Total capital | 56,565,000 | 57,030,000 | 55,654,000 | 58,047,000 |
| Risk-weighted assets | 351,463,000 | 366,957,000 | 336,123,000 | 322,240,000 |