Call reports 2009
NSB BANK — 2009
What NSB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,070,000 | 122,000,000 | 132,211,000 | 132,928,000 |
| Total loans | 76,029,000 | 77,263,000 | 80,163,000 | 83,424,000 |
| Allowance for loan losses | 763,000 | 811,000 | 896,000 | 868,000 |
| Securities available for sale | 30,844,000 | 33,695,000 | 39,127,000 | 39,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,971,000 | 105,295,000 | 114,646,000 | 116,428,000 |
| Interest-bearing deposits | 87,264,000 | 84,612,000 | 96,018,000 | 96,136,000 |
| Noninterest-bearing deposits | 16,707,000 | 20,683,000 | 18,628,000 | 20,292,000 |
| Equity capital | 9,687,000 | 9,508,000 | 10,327,000 | 10,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,874,000 | 4,377,000 | 5,923,000 |
| Interest expense | 511,000 | 990,000 | 1,459,000 | 1,909,000 |
| Net interest income | 900,000 | 1,884,000 | 2,918,000 | 4,014,000 |
| Noninterest income | 226,000 | 511,000 | 817,000 | 1,089,000 |
| Noninterest expense | 698,000 | 1,493,000 | 2,241,000 | 2,991,000 |
| Provision for loan losses | 30,000 | 75,000 | 150,000 | 525,000 |
| Pretax income | 398,000 | 827,000 | 1,403,000 | 1,646,000 |
| Income tax | 20,000 | 40,000 | 68,000 | 83,000 |
| Net income | 378,000 | 787,000 | 1,335,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,345,000 | 9,530,000 | 9,852,000 | 9,805,000 |
| Total capital | 10,108,000 | 10,341,000 | 10,748,000 | 10,673,000 |
| Risk-weighted assets | 86,381,000 | 86,213,000 | 90,087,000 | 93,208,000 |