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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

Naugatuck Valley Financial Corp (NVSL)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
 
In millions, except per share itemsDec-31-14Dec-31-13Dec-31-12Dec-31-11Dec-31-10Dec-31-09Dec-31-08Dec-31-07
   10-K10-K10-K10-K/A10-K10-K/AS-1/AS-1/A
Interest income          
Interest and fees on loans  16.919.323.125.526.826.0  
Interest and dividends on investments and deposits  2.91.31.61.61.72.3  
    Total interest income  19.820.624.627.228.528.328.2 
   
Interest expense          
Interest on deposits  2.42.83.86.07.38.59.3 
Interest on borrowed funds  0.70.91.62.23.04.1  
    Total interest expense  3.84.67.010.513.316.613.9 
    Net interest income  16.716.919.218.918.332.4  
(Credit) provision for loan losses  -1.74.217.7     
    Net interest income after provision/credit for loan losses  18.412.81.514.614.914.613.6 
   
Noninterest income          
Fees and Commissions, Depositor Accounts  0.70.80.80.91.01.1  
Fees for other services  0.30.30.40.60.70.6  
Mortgage banking income  1.11.32.81.91.00.0  
Income from bank owned life insurance  0.30.30.30.30.30.30.3 
   
Net gain on sale of investments          
Income from investment advisory services, net  0.30.20.20.30.20.3  
Other income  0.10.10.10.10.10.10.2 
    Total noninterest income  4.33.111.44.83.32.7-1.0 
   
Noninterest expense          
Compensation, taxes and benefits  11.710.811.09.98.47.7  
Occupancy  2.21.91.91.92.32.2  
Computer processing  1.41.31.21.00.90.9  
Professional fees  1.62.01.90.70.50.4  
FDIC insurance premiums  0.80.90.70.60.70.9  
Advertising  0.40.50.50.40.30.30.5 
Writedowns on foreclosed real estate  0.20.30.10.0    
Directors' compensation  0.30.40.60.7    
Other expenses  1.51.92.50.31.01.0  
    Total noninterest expense  21.722.421.216.915.914.513.5 
    Income before provision for income taxes  1.0-8.5-15.12.52.32.8  
Provision for income taxes  0.00.40.10.90.80.8-0.6 
    Net income  1.0-8.8-15.21.61.52.0-0.3 
   
Earnings (loss) per common share - basic and diluted (in dollars per share)  $0.15($1.33)($2.31)$0.24$0.21$0.29($0.05) 

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