Call reports 2015
NORTH ARUNDEL SAVINGS BANK — 2015
What NORTH ARUNDEL SAVINGS BANK 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 | 43,123,000 | 42,540,000 | 43,123,000 | 42,960,000 |
| Total loans | 31,701,000 | 30,730,000 | 34,273,000 | 34,984,000 |
| Allowance for loan losses | 215,000 | 218,000 | 221,000 | 229,000 |
| Securities available for sale | 7,257,000 | 7,155,000 | 2,911,000 | 2,892,000 |
| Securities held to maturity | 97,000 | 88,000 | 77,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,429,000 | 37,393,000 | 37,890,000 | 37,759,000 |
| Interest-bearing deposits | 37,021,000 | 36,953,000 | 37,456,000 | 37,537,000 |
| Noninterest-bearing deposits | 408,000 | 440,000 | 434,000 | 222,000 |
| Equity capital | 5,076,000 | 5,070,000 | 5,132,000 | 5,162,000 |
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 | 492,000 | 975,000 | 1,448,000 | 1,932,000 |
| Interest expense | 93,000 | 187,000 | 284,000 | 381,000 |
| Net interest income | 399,000 | 788,000 | 1,164,000 | 1,551,000 |
| Noninterest income | 1,000 | 2,000 | 5,000 | 5,000 |
| Noninterest expense | 291,000 | 590,000 | 888,000 | 1,207,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 17,000 |
| Pretax income | 106,000 | 194,000 | 291,000 | 351,000 |
| Income tax | 42,000 | 75,000 | 110,000 | 129,000 |
| Net income | 64,000 | 119,000 | 181,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,016,000 | 5,071,000 | 5,133,000 | 5,173,000 |
| Total capital | 5,231,000 | 5,289,000 | 5,354,000 | 5,402,000 |
| Risk-weighted assets | 21,015,000 | 20,700,000 | 23,091,000 | 23,292,000 |