Call reports 2006
NSB BANK — 2006
What NSB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 92,912,000 | 95,889,000 | 104,759,000 | 101,097,000 |
| Total loans | 63,460,000 | 64,166,000 | 66,621,000 | 66,559,000 |
| Allowance for loan losses | 623,000 | 628,000 | 559,000 | 559,000 |
| Securities available for sale | 19,426,000 | 20,538,000 | 23,204,000 | 24,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,707,000 | 80,720,000 | 91,092,000 | 87,498,000 |
| Interest-bearing deposits | 66,374,000 | 66,998,000 | 78,687,000 | 74,037,000 |
| Noninterest-bearing deposits | 12,333,000 | 13,722,000 | 12,405,000 | 13,461,000 |
| Equity capital | 7,584,000 | 7,506,000 | 7,835,000 | 7,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,350,000 | 2,835,000 | 4,386,000 | 6,044,000 |
| Interest expense | 534,000 | 1,143,000 | 1,847,000 | 2,618,000 |
| Net interest income | 816,000 | 1,692,000 | 2,539,000 | 3,426,000 |
| Noninterest income | 227,000 | 458,000 | 734,000 | 1,002,000 |
| Noninterest expense | 661,000 | 1,361,000 | 1,988,000 | 2,710,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 67,000 |
| Pretax income | 371,000 | 768,000 | 1,253,000 | 1,651,000 |
| Income tax | 18,000 | 37,000 | 61,000 | 82,000 |
| Net income | 353,000 | 731,000 | 1,192,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,208,000 | 7,174,000 | 7,472,000 | 7,549,000 |
| Total capital | 7,831,000 | 7,802,000 | 8,031,000 | 8,108,000 |
| Risk-weighted assets | 70,634,000 | 72,441,000 | 75,901,000 | 74,608,000 |