Call reports 2015
NSB BANK — 2015
What NSB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 189,344,000 | 187,277,000 | 191,192,000 | 192,181,000 |
| Total loans | 131,777,000 | 131,954,000 | 130,841,000 | 139,702,000 |
| Allowance for loan losses | 1,260,000 | 1,277,000 | 1,295,000 | 1,322,000 |
| Securities available for sale | 37,985,000 | 40,601,000 | 46,328,000 | 40,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,778,000 | 167,427,000 | 170,694,000 | 166,332,000 |
| Interest-bearing deposits | 131,832,000 | 127,278,000 | 130,751,000 | 126,813,000 |
| Noninterest-bearing deposits | 37,946,000 | 40,149,000 | 39,943,000 | 39,519,000 |
| Equity capital | 16,710,000 | 16,962,000 | 17,476,000 | 17,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,450,000 | 5,225,000 | 7,049,000 |
| Interest expense | 174,000 | 353,000 | 531,000 | 704,000 |
| Net interest income | 1,538,000 | 3,097,000 | 4,694,000 | 6,345,000 |
| Noninterest income | 221,000 | 445,000 | 705,000 | 932,000 |
| Noninterest expense | 864,000 | 1,782,000 | 2,672,000 | 3,688,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 897,000 | 1,758,000 | 2,728,000 | 3,575,000 |
| Income tax | 45,000 | 87,000 | 136,000 | 180,000 |
| Net income | 852,000 | 1,671,000 | 2,592,000 | 3,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,889,000 | 16,308,000 | 16,828,000 | 16,881,000 |
| Total capital | 17,149,000 | 17,585,000 | 18,124,000 | 18,203,000 |
| Risk-weighted assets | 145,088,000 | 146,100,000 | 146,513,000 | 153,312,000 |