Call reports 2014
NAUGATUCK VALLEY SAVINGS AND LOAN — 2014
What NAUGATUCK VALLEY SAVINGS AND LOAN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 509,205,000 | 514,308,000 | 490,931,000 | 496,806,000 |
| Total loans | 370,509,000 | 374,705,000 | 365,103,000 | 370,388,000 |
| Allowance for loan losses | 9,865,000 | 7,297,000 | 6,971,000 | 6,023,000 |
| Securities available for sale | 87,787,000 | 86,386,000 | 78,963,000 | 77,537,000 |
| Securities held to maturity | 16,890,000 | 15,480,000 | 14,364,000 | 13,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,725,000 | 396,282,000 | 383,844,000 | 381,504,000 |
| Interest-bearing deposits | 330,567,000 | 324,856,000 | 327,763,000 | 321,182,000 |
| Noninterest-bearing deposits | 65,158,000 | 71,426,000 | 56,081,000 | 60,322,000 |
| Equity capital | 53,376,000 | 54,329,000 | 55,128,000 | 56,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,930,000 | 10,050,000 | 15,084,000 | 19,847,000 |
| Interest expense | 789,000 | 1,606,000 | 2,421,000 | 3,232,000 |
| Net interest income | 4,141,000 | 8,444,000 | 12,663,000 | 16,615,000 |
| Noninterest income | 508,000 | 1,106,000 | 2,037,000 | 2,753,000 |
| Noninterest expense | 5,606,000 | 11,140,000 | 16,302,000 | 21,445,000 |
| Provision for loan losses | 0 | -739,000 | -789,000 | -1,747,000 |
| Pretax income | -799,000 | -659,000 | 414,000 | 1,098,000 |
| Income tax | 0 | 0 | 0 | -13,000 |
| Net income | -799,000 | -659,000 | 414,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,147,000 | 53,290,000 | 54,379,000 | 55,090,000 |
| Total capital | 57,246,000 | 57,445,000 | 58,346,000 | 59,071,000 |
| Risk-weighted assets | 322,147,000 | 329,212,000 | 314,318,000 | 316,458,000 |