Call reports 2016
NORTH ARUNDEL SAVINGS BANK — 2016
What NORTH ARUNDEL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 43,619,000 | 44,229,000 | 44,242,000 | 44,360,000 |
| Total loans | 35,055,000 | 37,236,000 | 36,663,000 | 37,134,000 |
| Allowance for loan losses | 262,000 | 291,000 | 340,000 | 206,000 |
| Securities available for sale | 2,524,000 | 1,187,000 | 774,000 | 749,000 |
| Securities held to maturity | 60,000 | 53,000 | 47,000 | 39,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,355,000 | 38,947,000 | 38,927,000 | 38,936,000 |
| Interest-bearing deposits | 37,944,000 | 38,438,000 | 38,453,000 | 38,819,000 |
| Noninterest-bearing deposits | 411,000 | 509,000 | 474,000 | 117,000 |
| Equity capital | 5,210,000 | 5,220,000 | 5,231,000 | 5,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 491,000 | 983,000 | 1,475,000 | 2,019,000 |
| Interest expense | 95,000 | 193,000 | 293,000 | 388,000 |
| Net interest income | 396,000 | 790,000 | 1,182,000 | 1,631,000 |
| Noninterest income | 1,000 | 3,000 | 5,000 | 164,000 |
| Noninterest expense | 320,000 | 676,000 | 1,014,000 | 1,394,000 |
| Provision for loan losses | 33,000 | 62,000 | 111,000 | 71,000 |
| Pretax income | 44,000 | 55,000 | 70,000 | 338,000 |
| Income tax | 14,000 | 15,000 | 19,000 | 127,000 |
| Net income | 30,000 | 40,000 | 51,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,203,000 | 5,214,000 | 5,225,000 | 5,384,000 |
| Total capital | 5,465,000 | 5,506,000 | 5,544,000 | 5,592,000 |
| Risk-weighted assets | 23,541,000 | 25,627,000 | 25,528,000 | 26,174,000 |