Call reports 2004
NSB BANK — 2004
What NSB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,467,000 | 80,291,000 | 81,947,000 | 82,155,000 |
| Total loans | 51,176,000 | 53,180,000 | 54,101,000 | 52,914,000 |
| Allowance for loan losses | 633,000 | 643,000 | 681,000 | 603,000 |
| Securities available for sale | 22,053,000 | 20,344,000 | 19,371,000 | 21,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,490,000 | 63,120,000 | 64,496,000 | 66,969,000 |
| Interest-bearing deposits | 52,143,000 | 52,615,000 | 54,798,000 | 54,422,000 |
| Noninterest-bearing deposits | 11,347,000 | 10,505,000 | 9,698,000 | 12,547,000 |
| Equity capital | 7,068,000 | 6,890,000 | 7,349,000 | 7,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 2,037,000 | 3,132,000 | 4,210,000 |
| Interest expense | 293,000 | 586,000 | 886,000 | 1,220,000 |
| Net interest income | 709,000 | 1,451,000 | 2,246,000 | 2,990,000 |
| Noninterest income | 212,000 | 434,000 | 687,000 | 923,000 |
| Noninterest expense | 602,000 | 1,263,000 | 1,891,000 | 2,604,000 |
| Provision for loan losses | 0 | 0 | 0 | -24,000 |
| Pretax income | 319,000 | 622,000 | 1,042,000 | 1,333,000 |
| Income tax | 16,000 | 30,000 | 52,000 | 62,000 |
| Net income | 303,000 | 592,000 | 990,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,145,000 | 6,289,000 | 6,542,000 | 6,469,000 |
| Total capital | 6,778,000 | 6,932,000 | 7,223,000 | 7,072,000 |
| Risk-weighted assets | 56,324,000 | 58,180,000 | 59,065,000 | 59,380,000 |