Call reports 2013
NORTH ARUNDEL SAVINGS BANK — 2013
What NORTH ARUNDEL SAVINGS BANK 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 | 41,235,000 | 41,395,000 | 41,091,000 | 41,321,000 |
| Total loans | 28,502,000 | 29,860,000 | 29,982,000 | 30,672,000 |
| Allowance for loan losses | 144,000 | 155,000 | 167,000 | 183,000 |
| Securities available for sale | 8,355,000 | 7,680,000 | 7,576,000 | 7,404,000 |
| Securities held to maturity | 239,000 | 209,000 | 182,000 | 163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,438,000 | 36,893,000 | 36,577,000 | 36,834,000 |
| Interest-bearing deposits | 36,160,000 | 36,472,000 | 36,312,000 | 36,629,000 |
| Noninterest-bearing deposits | 278,000 | 421,000 | 265,000 | 205,000 |
| Equity capital | 4,612,000 | 4,373,000 | 4,394,000 | 4,349,000 |
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 | 444,000 | 900,000 | 1,368,000 | 1,839,000 |
| Interest expense | 106,000 | 208,000 | 310,000 | 410,000 |
| Net interest income | 338,000 | 692,000 | 1,058,000 | 1,429,000 |
| Noninterest income | 1,000 | 2,000 | 6,000 | 8,000 |
| Noninterest expense | 248,000 | 493,000 | 746,000 | 1,011,000 |
| Provision for loan losses | 14,000 | 26,000 | 38,000 | 54,000 |
| Pretax income | 77,000 | 175,000 | 280,000 | 372,000 |
| Income tax | 41,000 | 81,000 | 121,000 | 147,000 |
| Net income | 36,000 | 94,000 | 159,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,489,000 | 4,547,000 | 4,612,000 | 4,678,000 |
| Total capital | 4,633,000 | 4,702,000 | 4,779,000 | 4,861,000 |
| Risk-weighted assets | 20,682,000 | 21,384,000 | 21,392,000 | 21,728,000 |