Call reports 2019
NORTH ARUNDEL SAVINGS BANK — 2019
What NORTH ARUNDEL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 43,015,000 | 43,510,000 | 43,471,000 | 43,890,000 |
| Total loans | 34,353,000 | 33,037,000 | 31,807,000 | 31,926,000 |
| Allowance for loan losses | 230,000 | 219,000 | 222,000 | 194,000 |
| Securities available for sale | 491,000 | 500,000 | 503,000 | 502,000 |
| Securities held to maturity | 204,000 | 180,000 | 158,000 | 645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,213,000 | 37,745,000 | 37,589,000 | 38,007,000 |
| Interest-bearing deposits | 37,117,000 | 37,682,000 | 37,538,000 | 37,975,000 |
| Noninterest-bearing deposits | 96,000 | 63,000 | 51,000 | 32,000 |
| Equity capital | 5,752,000 | 5,706,000 | 5,796,000 | 5,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 989,000 | 1,598,000 | 2,090,000 |
| Interest expense | 112,000 | 236,000 | 367,000 | 502,000 |
| Net interest income | 373,000 | 753,000 | 1,231,000 | 1,588,000 |
| Noninterest income | 1,000 | 2,000 | 9,000 | 10,000 |
| Noninterest expense | 335,000 | 723,000 | 1,083,000 | 1,457,000 |
| Provision for loan losses | 3,000 | 48,000 | 51,000 | 24,000 |
| Pretax income | 36,000 | -16,000 | 106,000 | 117,000 |
| Income tax | 14,000 | 15,000 | 48,000 | 21,000 |
| Net income | 22,000 | -31,000 | 58,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,760,000 | 5,707,000 | 5,796,000 | 5,835,000 |
| Total capital | 5,993,000 | 5,930,000 | 6,020,000 | 6,030,000 |
| Risk-weighted assets | 24,784,000 | 23,035,000 | 21,557,000 | 21,445,000 |