Call reports 2015
NAUGATUCK VALLEY SAVINGS AND LOAN — 2015
What NAUGATUCK VALLEY SAVINGS AND LOAN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 508,787,000 | 502,561,000 | 495,528,000 | 492,788,000 |
| Total loans | 378,338,000 | 381,271,000 | 387,619,000 | 381,522,000 |
| Allowance for loan losses | 5,951,000 | 4,583,000 | 4,615,000 | 3,043,000 |
| Securities available for sale | 86,185,000 | 67,346,000 | 53,782,000 | 52,150,000 |
| Securities held to maturity | 12,454,000 | 11,434,000 | 10,491,000 | 9,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,699,000 | 381,371,000 | 375,622,000 | 380,675,000 |
| Interest-bearing deposits | 333,132,000 | 329,477,000 | 325,986,000 | 327,237,000 |
| Noninterest-bearing deposits | 51,567,000 | 51,894,000 | 49,636,000 | 53,438,000 |
| Equity capital | 56,707,000 | 56,744,000 | 57,470,000 | 56,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,710,000 | 9,529,000 | 14,379,000 | 19,141,000 |
| Interest expense | 793,000 | 1,636,000 | 2,425,000 | 3,205,000 |
| Net interest income | 3,917,000 | 7,893,000 | 11,954,000 | 15,936,000 |
| Noninterest income | 561,000 | 1,226,000 | 1,934,000 | 2,403,000 |
| Noninterest expense | 4,593,000 | 9,923,000 | 14,571,000 | 22,475,000 |
| Provision for loan losses | 0 | -1,420,000 | -1,420,000 | -2,956,000 |
| Pretax income | 301,000 | 1,445,000 | 2,110,000 | 193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 301,000 | 1,445,000 | 2,110,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,415,000 | 56,597,000 | 57,297,000 | 56,282,000 |
| Total capital | 59,663,000 | 60,833,000 | 61,589,000 | 59,325,000 |
| Risk-weighted assets | 338,159,000 | 338,526,000 | 343,041,000 | 336,069,000 |