Call reports 2021
NORTH ARUNDEL SAVINGS BANK — 2021
What NORTH ARUNDEL SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 46,128,000 | 47,471,000 | 47,120,000 | 45,258,000 |
| Total loans | 31,590,000 | 31,818,000 | 34,320,000 | 34,003,000 |
| Allowance for loan losses | 215,000 | 221,000 | 234,000 | 236,000 |
| Securities available for sale | 2,252,000 | 2,266,000 | 1,985,000 | 1,958,000 |
| Securities held to maturity | 383,000 | 332,000 | 299,000 | 271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,297,000 | 41,618,000 | 41,354,000 | 40,441,000 |
| Interest-bearing deposits | 40,259,000 | 41,272,000 | 41,001,000 | 40,015,000 |
| Noninterest-bearing deposits | 38,000 | 346,000 | 353,000 | 426,000 |
| Equity capital | 5,778,000 | 5,809,000 | 5,722,000 | 4,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 860,000 | 1,298,000 | 1,718,000 |
| Interest expense | 105,000 | 203,000 | 297,000 | 384,000 |
| Net interest income | 322,000 | 657,000 | 1,001,000 | 1,334,000 |
| Noninterest income | 1,000 | 8,000 | 9,000 | 14,000 |
| Noninterest expense | 342,000 | 663,000 | 1,068,000 | 2,706,000 |
| Provision for loan losses | -52,000 | -49,000 | -36,000 | -34,000 |
| Pretax income | 34,000 | 52,000 | -21,000 | -1,323,000 |
| Income tax | 22,000 | 20,000 | 11,000 | -364,000 |
| Net income | 12,000 | 32,000 | -32,000 | -959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,778,000 | 5,798,000 | 5,734,000 | 4,807,000 |
| Total capital | 5,997,000 | 6,026,000 | 5,974,000 | 5,050,000 |
| Risk-weighted assets | 23,543,000 | 24,192,000 | 24,456,000 | 24,119,000 |