Call reports 2001
NSB BANK — 2001
What NSB BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 69,946,000 | 72,126,000 | 75,927,000 | 77,554,000 |
| Total loans | 43,520,000 | 45,827,000 | 48,788,000 | 49,027,000 |
| Allowance for loan losses | 425,000 | 427,000 | 417,000 | 484,000 |
| Securities available for sale | 19,231,000 | 18,719,000 | 17,057,000 | 20,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,495,000 | 55,927,000 | 59,673,000 | 62,296,000 |
| Interest-bearing deposits | 51,101,000 | 49,739,000 | 52,608,000 | 52,696,000 |
| Noninterest-bearing deposits | 6,394,000 | 6,188,000 | 7,065,000 | 9,600,000 |
| Equity capital | 5,565,000 | 5,579,000 | 5,989,000 | 5,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,252,000 | 2,476,000 | 3,737,000 | 5,060,000 |
| Interest expense | 702,000 | 1,347,000 | 1,947,000 | 2,488,000 |
| Net interest income | 550,000 | 1,129,000 | 1,790,000 | 2,572,000 |
| Noninterest income | 152,000 | 331,000 | 563,000 | 715,000 |
| Noninterest expense | 629,000 | 1,286,000 | 1,869,000 | 2,537,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 128,000 |
| Pretax income | 73,000 | 173,000 | 482,000 | 622,000 |
| Income tax | 3,000 | 18,000 | 33,000 | 34,000 |
| Net income | 70,000 | 155,000 | 449,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,419,000 | 4,958,000 | 5,269,000 | 5,308,000 |
| Total capital | 5,844,000 | 5,385,000 | 5,686,000 | 5,792,000 |
| Risk-weighted assets | 43,668,000 | 47,657,000 | 48,878,000 | 49,490,000 |