Call reports 2014
NORTH ARUNDEL SAVINGS BANK — 2014
What NORTH ARUNDEL SAVINGS BANK 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 | 42,474,000 | 42,596,000 | 43,320,000 | 42,958,000 |
| Total loans | 31,312,000 | 31,626,000 | 30,343,000 | 31,436,000 |
| Allowance for loan losses | 194,000 | 200,000 | 206,000 | 212,000 |
| Securities available for sale | 7,626,000 | 7,779,000 | 7,782,000 | 7,423,000 |
| Securities held to maturity | 149,000 | 133,000 | 119,000 | 109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,836,000 | 37,296,000 | 37,958,000 | 37,424,000 |
| Interest-bearing deposits | 37,452,000 | 36,813,000 | 37,379,000 | 37,169,000 |
| Noninterest-bearing deposits | 384,000 | 483,000 | 579,000 | 255,000 |
| Equity capital | 4,557,000 | 4,722,000 | 4,788,000 | 4,960,000 |
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 | 464,000 | 955,000 | 1,436,000 | 1,909,000 |
| Interest expense | 98,000 | 194,000 | 293,000 | 390,000 |
| Net interest income | 366,000 | 761,000 | 1,143,000 | 1,519,000 |
| Noninterest income | 1,000 | 3,000 | 5,000 | 7,000 |
| Noninterest expense | 252,000 | 531,000 | 808,000 | 1,092,000 |
| Provision for loan losses | 11,000 | 17,000 | 23,000 | 29,000 |
| Pretax income | 104,000 | 216,000 | 317,000 | 405,000 |
| Income tax | 41,000 | 82,000 | 120,000 | 131,000 |
| Net income | 63,000 | 134,000 | 197,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,740,000 | 4,812,000 | 4,875,000 | 4,951,000 |
| Total capital | 4,934,000 | 5,012,000 | 5,081,000 | 5,163,000 |
| Risk-weighted assets | 23,210,000 | 23,283,000 | 21,827,000 | 22,162,000 |