Call reports 2018
NORTH ARUNDEL SAVINGS BANK — 2018
What NORTH ARUNDEL SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 44,167,000 | 43,871,000 | 43,114,000 | 42,635,000 |
| Total loans | 36,009,000 | 34,831,000 | 34,436,000 | 34,685,000 |
| Allowance for loan losses | 222,000 | 217,000 | 223,000 | 229,000 |
| Securities available for sale | 739,000 | 734,000 | 730,000 | 733,000 |
| Securities held to maturity | 308,000 | 278,000 | 251,000 | 227,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,443,000 | 38,158,000 | 37,357,000 | 36,873,000 |
| Interest-bearing deposits | 38,408,000 | 38,107,000 | 37,306,000 | 36,842,000 |
| Noninterest-bearing deposits | 35,000 | 51,000 | 51,000 | 31,000 |
| Equity capital | 5,620,000 | 5,640,000 | 5,669,000 | 5,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,022,000 | 1,542,000 | 2,055,000 |
| Interest expense | 102,000 | 203,000 | 311,000 | 420,000 |
| Net interest income | 414,000 | 819,000 | 1,231,000 | 1,635,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 4,000 |
| Noninterest expense | 347,000 | 716,000 | 1,081,000 | 1,439,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 65,000 | 98,000 | 143,000 | 188,000 |
| Income tax | 17,000 | 28,000 | 43,000 | 36,000 |
| Net income | 48,000 | 70,000 | 100,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,634,000 | 5,656,000 | 5,686,000 | 5,738,000 |
| Total capital | 5,858,000 | 5,875,000 | 5,912,000 | 5,970,000 |
| Risk-weighted assets | 25,669,000 | 25,146,000 | 24,987,000 | 24,755,000 |