Call reports 2002
NSB BANK — 2002
What NSB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 73,197,000 | 74,266,000 | 73,706,000 | 72,857,000 |
| Total loans | 48,227,000 | 49,179,000 | 49,031,000 | 49,624,000 |
| Allowance for loan losses | 451,000 | 488,000 | 509,000 | 556,000 |
| Securities available for sale | 17,252,000 | 17,023,000 | 14,889,000 | 13,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,245,000 | 57,465,000 | 57,402,000 | 58,873,000 |
| Interest-bearing deposits | 50,475,000 | 50,459,000 | 50,078,000 | 49,740,000 |
| Noninterest-bearing deposits | 7,770,000 | 7,006,000 | 7,324,000 | 9,133,000 |
| Equity capital | 5,950,000 | 6,219,000 | 6,940,000 | 6,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,155,000 | 2,318,000 | 3,485,000 | 4,621,000 |
| Interest expense | 433,000 | 846,000 | 1,255,000 | 1,641,000 |
| Net interest income | 722,000 | 1,472,000 | 2,230,000 | 2,980,000 |
| Noninterest income | 182,000 | 369,000 | 574,000 | 760,000 |
| Noninterest expense | 627,000 | 1,228,000 | 1,793,000 | 2,458,000 |
| Provision for loan losses | 30,000 | 80,000 | 130,000 | 180,000 |
| Pretax income | 247,000 | 533,000 | 893,000 | 1,114,000 |
| Income tax | 11,000 | 26,000 | 44,000 | 56,000 |
| Net income | 236,000 | 507,000 | 849,000 | 1,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,439,000 | 5,632,000 | 5,961,000 | 5,976,000 |
| Total capital | 5,890,000 | 6,120,000 | 6,470,000 | 6,532,000 |
| Risk-weighted assets | 49,024,000 | 50,055,000 | 50,250,000 | 50,374,000 |