Call reports 2007
NSB BANK — 2007
What NSB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,477,000 | 107,520,000 | 107,944,000 | 109,497,000 |
| Total loans | 65,808,000 | 71,219,000 | 73,652,000 | 74,700,000 |
| Allowance for loan losses | 598,000 | 604,000 | 600,000 | 631,000 |
| Securities available for sale | 24,427,000 | 23,868,000 | 25,568,000 | 24,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,531,000 | 93,686,000 | 92,150,000 | 91,531,000 |
| Interest-bearing deposits | 77,939,000 | 79,630,000 | 80,940,000 | 76,844,000 |
| Noninterest-bearing deposits | 11,592,000 | 14,056,000 | 11,210,000 | 14,687,000 |
| Equity capital | 8,228,000 | 8,135,000 | 8,561,000 | 8,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,605,000 | 3,280,000 | 5,065,000 | 6,851,000 |
| Interest expense | 752,000 | 1,532,000 | 2,349,000 | 3,107,000 |
| Net interest income | 853,000 | 1,748,000 | 2,716,000 | 3,744,000 |
| Noninterest income | 318,000 | 587,000 | 886,000 | 1,180,000 |
| Noninterest expense | 660,000 | 1,341,000 | 2,025,000 | 2,764,000 |
| Provision for loan losses | 83,000 | 89,000 | 95,000 | 216,000 |
| Pretax income | 428,000 | 905,000 | 1,482,000 | 1,944,000 |
| Income tax | 21,000 | 45,000 | 72,000 | 98,000 |
| Net income | 407,000 | 860,000 | 1,410,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,756,000 | 7,809,000 | 8,159,000 | 8,345,000 |
| Total capital | 8,354,000 | 8,413,000 | 8,759,000 | 8,976,000 |
| Risk-weighted assets | 72,253,000 | 77,909,000 | 80,567,000 | 80,173,000 |