Call reports 2012
NORTH ARUNDEL SAVINGS BANK — 2012
What NORTH ARUNDEL SAVINGS BANK 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 | 38,460,000 | 39,412,000 | 40,484,000 | 41,123,000 |
| Total loans | 27,958,000 | 28,596,000 | 27,808,000 | 28,258,000 |
| Allowance for loan losses | 139,000 | 142,000 | 173,000 | 130,000 |
| Securities available for sale | 6,149,000 | 6,145,000 | 8,138,000 | 8,360,000 |
| Securities held to maturity | 403,000 | 351,000 | 309,000 | 272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,836,000 | 34,719,000 | 35,738,000 | 36,348,000 |
| Interest-bearing deposits | 33,701,000 | 34,585,000 | 35,436,000 | 35,983,000 |
| Noninterest-bearing deposits | 135,000 | 134,000 | 302,000 | 365,000 |
| Equity capital | 4,428,000 | 4,517,000 | 4,581,000 | 4,578,000 |
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 | 458,000 | 929,000 | 1,370,000 | 1,826,000 |
| Interest expense | 116,000 | 232,000 | 347,000 | 463,000 |
| Net interest income | 342,000 | 697,000 | 1,023,000 | 1,363,000 |
| Noninterest income | 1,000 | 1,000 | 12,000 | 5,000 |
| Noninterest expense | 232,000 | 461,000 | 700,000 | 960,000 |
| Provision for loan losses | 3,000 | 6,000 | 37,000 | 138,000 |
| Pretax income | 108,000 | 231,000 | 298,000 | 270,000 |
| Income tax | 42,000 | 89,000 | 122,000 | 91,000 |
| Net income | 66,000 | 142,000 | 176,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,340,000 | 4,416,000 | 4,450,000 | 4,453,000 |
| Total capital | 4,479,000 | 4,558,000 | 4,623,000 | 4,583,000 |
| Risk-weighted assets | 20,129,000 | 20,314,000 | 20,694,000 | 21,265,000 |