Call reports 2020
NORTH ARUNDEL SAVINGS BANK — 2020
What NORTH ARUNDEL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 44,179,000 | 44,458,000 | 44,721,000 | 44,961,000 |
| Total loans | 32,822,000 | 32,995,000 | 31,984,000 | 30,751,000 |
| Allowance for loan losses | 268,000 | 271,000 | 274,000 | 269,000 |
| Securities available for sale | 501,000 | 1,024,000 | 1,023,000 | 1,525,000 |
| Securities held to maturity | 615,000 | 551,000 | 501,000 | 438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,346,000 | 38,637,000 | 38,909,000 | 39,129,000 |
| Interest-bearing deposits | 38,288,000 | 38,610,000 | 38,864,000 | 38,934,000 |
| Noninterest-bearing deposits | 58,000 | 27,000 | 45,000 | 195,000 |
| Equity capital | 5,766,000 | 5,757,000 | 5,758,000 | 5,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 488,000 | 961,000 | 1,451,000 | 1,913,000 |
| Interest expense | 136,000 | 265,000 | 388,000 | 503,000 |
| Net interest income | 352,000 | 696,000 | 1,063,000 | 1,410,000 |
| Noninterest income | 1,000 | 4,000 | 4,000 | 5,000 |
| Noninterest expense | 351,000 | 724,000 | 1,088,000 | 1,438,000 |
| Provision for loan losses | 73,000 | 76,000 | 79,000 | 82,000 |
| Pretax income | -71,000 | -100,000 | -100,000 | -105,000 |
| Income tax | -2,000 | -6,000 | -7,000 | -36,000 |
| Net income | -69,000 | -94,000 | -93,000 | -69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,766,000 | 5,741,000 | 5,742,000 | 5,766,000 |
| Total capital | 6,034,000 | 6,015,000 | 6,011,000 | 6,042,000 |
| Risk-weighted assets | 21,391,000 | 21,997,000 | 21,580,000 | 22,139,000 |