Call reports 2010
NSB BANK — 2010
What NSB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 137,270,000 | 137,201,000 | 132,720,000 | 134,036,000 |
| Total loans | 85,682,000 | 89,093,000 | 90,005,000 | 93,925,000 |
| Allowance for loan losses | 940,000 | 1,009,000 | 858,000 | 961,000 |
| Securities available for sale | 39,816,000 | 38,408,000 | 33,401,000 | 31,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,050,000 | 119,958,000 | 115,698,000 | 117,852,000 |
| Interest-bearing deposits | 100,746,000 | 98,497,000 | 94,881,000 | 95,570,000 |
| Noninterest-bearing deposits | 20,304,000 | 21,461,000 | 20,817,000 | 22,282,000 |
| Equity capital | 10,616,000 | 11,024,000 | 11,304,000 | 10,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,520,000 | 3,062,000 | 4,557,000 | 6,107,000 |
| Interest expense | 389,000 | 755,000 | 1,082,000 | 1,385,000 |
| Net interest income | 1,131,000 | 2,307,000 | 3,475,000 | 4,722,000 |
| Noninterest income | 233,000 | 514,000 | 772,000 | 1,061,000 |
| Noninterest expense | 764,000 | 1,574,000 | 2,375,000 | 3,187,000 |
| Provision for loan losses | 75,000 | 150,000 | 825,000 | 900,000 |
| Pretax income | 525,000 | 1,097,000 | 1,162,000 | 1,871,000 |
| Income tax | 26,000 | 54,000 | 58,000 | 94,000 |
| Net income | 499,000 | 1,043,000 | 1,104,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,080,000 | 10,499,000 | 10,434,000 | 10,832,000 |
| Total capital | 11,020,000 | 11,508,000 | 11,292,000 | 11,793,000 |
| Risk-weighted assets | 94,710,000 | 97,217,000 | 97,937,000 | 99,750,000 |