Call reports 2014
NSB BANK — 2014
What NSB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 185,484,000 | 186,714,000 | 182,163,000 | 185,742,000 |
| Total loans | 124,138,000 | 125,333,000 | 126,399,000 | 132,968,000 |
| Allowance for loan losses | 1,292,000 | 1,139,000 | 1,131,000 | 1,243,000 |
| Securities available for sale | 40,372,000 | 46,267,000 | 42,352,000 | 40,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,832,000 | 167,675,000 | 162,902,000 | 165,329,000 |
| Interest-bearing deposits | 129,241,000 | 124,096,000 | 124,952,000 | 125,377,000 |
| Noninterest-bearing deposits | 37,591,000 | 43,579,000 | 37,950,000 | 39,952,000 |
| Equity capital | 15,890,000 | 16,218,000 | 16,292,000 | 16,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,261,000 | 4,951,000 | 6,669,000 |
| Interest expense | 201,000 | 381,000 | 558,000 | 744,000 |
| Net interest income | 1,407,000 | 2,880,000 | 4,393,000 | 5,925,000 |
| Noninterest income | 212,000 | 416,000 | 630,000 | 825,000 |
| Noninterest expense | 836,000 | 1,720,000 | 2,555,000 | 3,459,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 783,000 | 1,576,000 | 2,496,000 | 3,229,000 |
| Income tax | 38,000 | 78,000 | 123,000 | 160,000 |
| Net income | 745,000 | 1,498,000 | 2,373,000 | 3,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,286,000 | 15,640,000 | 15,715,000 | 15,836,000 |
| Total capital | 16,578,000 | 16,779,000 | 16,846,000 | 17,079,000 |
| Risk-weighted assets | 137,961,000 | 138,020,000 | 137,873,000 | 145,438,000 |