Call reports 2005
NSB BANK — 2005
What NSB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,818,000 | 86,021,000 | 89,117,000 | 89,625,000 |
| Total loans | 52,817,000 | 57,641,000 | 62,722,000 | 62,430,000 |
| Allowance for loan losses | 605,000 | 605,000 | 612,000 | 612,000 |
| Securities available for sale | 21,863,000 | 20,793,000 | 16,753,000 | 19,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,110,000 | 72,123,000 | 74,959,000 | 74,648,000 |
| Interest-bearing deposits | 56,268,000 | 61,721,000 | 62,904,000 | 62,968,000 |
| Noninterest-bearing deposits | 11,842,000 | 10,402,000 | 12,055,000 | 11,680,000 |
| Equity capital | 6,993,000 | 7,175,000 | 7,355,000 | 7,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,258,000 | 3,501,000 | 4,813,000 |
| Interest expense | 342,000 | 739,000 | 1,190,000 | 1,683,000 |
| Net interest income | 760,000 | 1,519,000 | 2,311,000 | 3,130,000 |
| Noninterest income | 191,000 | 425,000 | 688,000 | 936,000 |
| Noninterest expense | 646,000 | 1,292,000 | 1,979,000 | 2,664,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 305,000 | 652,000 | 1,020,000 | 1,402,000 |
| Income tax | 15,000 | 32,000 | 51,000 | 65,000 |
| Net income | 290,000 | 620,000 | 969,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,488,000 | 6,599,000 | 6,853,000 | 7,055,000 |
| Total capital | 7,093,000 | 7,204,000 | 7,465,000 | 7,667,000 |
| Risk-weighted assets | 59,540,000 | 63,497,000 | 68,445,000 | 68,343,000 |