Call reports 2011
NSB BANK — 2011
What NSB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 145,175,000 | 146,662,000 | 147,683,000 | 153,021,000 |
| Total loans | 89,715,000 | 90,681,000 | 94,946,000 | 103,713,000 |
| Allowance for loan losses | 1,118,000 | 966,000 | 877,000 | 910,000 |
| Securities available for sale | 37,518,000 | 47,989,000 | 43,239,000 | 39,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,060,000 | 128,442,000 | 129,898,000 | 129,159,000 |
| Interest-bearing deposits | 101,524,000 | 103,241,000 | 105,553,000 | 104,610,000 |
| Noninterest-bearing deposits | 29,536,000 | 25,201,000 | 24,345,000 | 24,549,000 |
| Equity capital | 11,501,000 | 12,307,000 | 13,184,000 | 13,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 3,030,000 | 4,664,000 | 6,239,000 |
| Interest expense | 249,000 | 500,000 | 744,000 | 989,000 |
| Net interest income | 1,242,000 | 2,530,000 | 3,920,000 | 5,250,000 |
| Noninterest income | 392,000 | 462,000 | 727,000 | 974,000 |
| Noninterest expense | 827,000 | 1,633,000 | 2,496,000 | 3,297,000 |
| Provision for loan losses | 75,000 | 0 | 75,000 | 150,000 |
| Pretax income | 732,000 | 1,533,000 | 2,268,000 | 2,968,000 |
| Income tax | 37,000 | 76,000 | 114,000 | 98,000 |
| Net income | 695,000 | 1,457,000 | 2,154,000 | 2,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,277,000 | 11,789,000 | 12,236,000 | 12,501,000 |
| Total capital | 12,395,000 | 12,755,000 | 13,113,000 | 13,411,000 |
| Risk-weighted assets | 100,095,000 | 100,260,000 | 102,887,000 | 112,745,000 |