Call reports 2013
NSB BANK — 2013
What NSB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 182,029,000 | 170,817,000 | 171,330,000 | 176,546,000 |
| Total loans | 114,027,000 | 117,824,000 | 114,256,000 | 122,414,000 |
| Allowance for loan losses | 1,030,000 | 1,115,000 | 1,143,000 | 1,285,000 |
| Securities available for sale | 51,634,000 | 44,632,000 | 42,009,000 | 40,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,436,000 | 149,452,000 | 153,285,000 | 152,552,000 |
| Interest-bearing deposits | 134,088,000 | 118,069,000 | 120,134,000 | 119,751,000 |
| Noninterest-bearing deposits | 30,348,000 | 31,383,000 | 33,151,000 | 32,801,000 |
| Equity capital | 14,834,000 | 14,925,000 | 15,154,000 | 15,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,186,000 | 4,771,000 | 6,385,000 |
| Interest expense | 235,000 | 454,000 | 657,000 | 856,000 |
| Net interest income | 1,350,000 | 2,732,000 | 4,114,000 | 5,529,000 |
| Noninterest income | 224,000 | 505,000 | 787,000 | 969,000 |
| Noninterest expense | 880,000 | 1,729,000 | 2,626,000 | 3,438,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 135,000 |
| Pretax income | 649,000 | 1,485,000 | 2,207,000 | 2,992,000 |
| Income tax | 32,000 | 74,000 | 110,000 | 149,000 |
| Net income | 617,000 | 1,411,000 | 2,097,000 | 2,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,866,000 | 14,309,000 | 14,646,000 | 14,941,000 |
| Total capital | 14,897,000 | 15,424,000 | 15,789,000 | 16,226,000 |
| Risk-weighted assets | 125,159,000 | 126,872,000 | 125,475,000 | 134,862,000 |