Call reports 2017
NORTH ARUNDEL SAVINGS BANK — 2017
What NORTH ARUNDEL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 45,053,000 | 44,952,000 | 44,724,000 | 44,776,000 |
| Total loans | 39,137,000 | 39,337,000 | 38,462,000 | 37,657,000 |
| Allowance for loan losses | 214,000 | 217,000 | 213,000 | 215,000 |
| Securities available for sale | 749,000 | 751,000 | 753,000 | 745,000 |
| Securities held to maturity | 34,000 | 30,000 | 25,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,541,000 | 39,371,000 | 39,056,000 | 39,116,000 |
| Interest-bearing deposits | 39,502,000 | 39,322,000 | 38,978,000 | 39,077,000 |
| Noninterest-bearing deposits | 39,000 | 49,000 | 78,000 | 39,000 |
| Equity capital | 5,429,000 | 5,483,000 | 5,538,000 | 5,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,058,000 | 1,592,000 | 2,135,000 |
| Interest expense | 92,000 | 185,000 | 281,000 | 380,000 |
| Net interest income | 429,000 | 873,000 | 1,311,000 | 1,755,000 |
| Noninterest income | 1,000 | 2,000 | 3,000 | 4,000 |
| Noninterest expense | 331,000 | 680,000 | 1,026,000 | 1,405,000 |
| Provision for loan losses | 7,000 | 15,000 | 18,000 | 21,000 |
| Pretax income | 92,000 | 180,000 | 270,000 | 333,000 |
| Income tax | 36,000 | 71,000 | 108,000 | 131,000 |
| Net income | 56,000 | 109,000 | 162,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,441,000 | 5,493,000 | 5,546,000 | 5,586,000 |
| Total capital | 5,657,000 | 5,712,000 | 5,761,000 | 5,802,000 |
| Risk-weighted assets | 28,221,000 | 27,780,000 | 27,622,000 | 26,579,000 |