Call reports 2012
NSB BANK — 2012
What NSB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 158,052,000 | 157,463,000 | 161,637,000 | 171,658,000 |
| Total loans | 98,978,000 | 102,088,000 | 105,792,000 | 117,303,000 |
| Allowance for loan losses | 974,000 | 1,058,000 | 1,105,000 | 1,016,000 |
| Securities available for sale | 45,529,000 | 44,761,000 | 44,109,000 | 43,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,259,000 | 140,051,000 | 143,841,000 | 153,720,000 |
| Interest-bearing deposits | 113,368,000 | 111,954,000 | 115,630,000 | 121,239,000 |
| Noninterest-bearing deposits | 27,891,000 | 28,097,000 | 28,211,000 | 32,481,000 |
| Equity capital | 14,036,000 | 14,458,000 | 14,847,000 | 15,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,623,000 | 3,210,000 | 4,798,000 | 6,405,000 |
| Interest expense | 242,000 | 488,000 | 725,000 | 966,000 |
| Net interest income | 1,381,000 | 2,722,000 | 4,073,000 | 5,439,000 |
| Noninterest income | 239,000 | 475,000 | 773,000 | 1,052,000 |
| Noninterest expense | 807,000 | 1,632,000 | 2,504,000 | 3,255,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 190,000 |
| Pretax income | 925,000 | 1,741,000 | 2,478,000 | 3,342,000 |
| Income tax | 47,000 | 87,000 | 122,000 | 119,000 |
| Net income | 878,000 | 1,654,000 | 2,356,000 | 3,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,030,000 | 13,455,000 | 13,808,000 | 14,149,000 |
| Total capital | 14,005,000 | 14,513,000 | 14,913,000 | 15,165,000 |
| Risk-weighted assets | 109,170,000 | 113,156,000 | 116,345,000 | 128,651,000 |