Call reports 2003
NSB BANK — 2003
What NSB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 73,831,000 | 76,062,000 | 76,352,000 | 77,148,000 |
| Total loans | 45,711,000 | 47,779,000 | 48,757,000 | 49,297,000 |
| Allowance for loan losses | 506,000 | 472,000 | 496,000 | 502,000 |
| Securities available for sale | 18,322,000 | 21,005,000 | 19,378,000 | 20,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,690,000 | 61,081,000 | 62,122,000 | 63,211,000 |
| Interest-bearing deposits | 50,744,000 | 51,626,000 | 52,957,000 | 52,150,000 |
| Noninterest-bearing deposits | 8,946,000 | 9,455,000 | 9,165,000 | 11,061,000 |
| Equity capital | 6,968,000 | 6,779,000 | 6,850,000 | 6,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,100,000 | 3,141,000 | 4,170,000 |
| Interest expense | 348,000 | 690,000 | 1,010,000 | 1,319,000 |
| Net interest income | 705,000 | 1,410,000 | 2,131,000 | 2,851,000 |
| Noninterest income | 173,000 | 388,000 | 612,000 | 819,000 |
| Noninterest expense | 606,000 | 1,240,000 | 1,851,000 | 2,474,000 |
| Provision for loan losses | 50,000 | 126,000 | 115,000 | 112,000 |
| Pretax income | 222,000 | 432,000 | 777,000 | 1,084,000 |
| Income tax | 11,000 | 23,000 | 38,000 | 50,000 |
| Net income | 211,000 | 409,000 | 739,000 | 1,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,192,000 | 5,760,000 | 5,985,000 | 6,037,000 |
| Total capital | 6,698,000 | 6,232,000 | 6,481,000 | 6,539,000 |
| Risk-weighted assets | 48,302,000 | 49,887,000 | 52,593,000 | 53,693,000 |