Call reports 2016
NSB BANK — 2016
What NSB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 195,624,000 | 193,470,000 | 197,268,000 | 204,741,000 |
| Total loans | 143,275,000 | 146,269,000 | 145,766,000 | 152,519,000 |
| Allowance for loan losses | 1,348,000 | 1,366,000 | 1,385,000 | 1,471,000 |
| Securities available for sale | 36,260,000 | 36,355,000 | 34,439,000 | 33,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,388,000 | 171,453,000 | 174,700,000 | 183,191,000 |
| Interest-bearing deposits | 134,899,000 | 131,009,000 | 138,368,000 | 143,860,000 |
| Noninterest-bearing deposits | 39,489,000 | 40,444,000 | 36,332,000 | 39,331,000 |
| Equity capital | 18,315,000 | 18,991,000 | 19,444,000 | 18,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,850,000 | 3,731,000 | 5,639,000 | 7,560,000 |
| Interest expense | 173,000 | 351,000 | 534,000 | 721,000 |
| Net interest income | 1,677,000 | 3,380,000 | 5,105,000 | 6,839,000 |
| Noninterest income | 224,000 | 465,000 | 701,000 | 916,000 |
| Noninterest expense | 814,000 | 1,759,000 | 2,695,000 | 3,579,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 144,000 |
| Pretax income | 1,072,000 | 2,082,000 | 3,163,000 | 4,120,000 |
| Income tax | 54,000 | 104,000 | 155,000 | 207,000 |
| Net income | 1,018,000 | 1,978,000 | 3,008,000 | 3,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,498,000 | 17,859,000 | 18,488,000 | 18,444,000 |
| Total capital | 18,846,000 | 19,225,000 | 19,873,000 | 19,915,000 |
| Risk-weighted assets | 155,634,000 | 158,385,000 | 156,857,000 | 164,956,000 |