Call reports 2017
NSB BANK — 2017
What NSB BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 208,657,000 | 197,961,000 | 197,955,000 | 199,073,000 |
| Total loans | 150,102,000 | 153,060,000 | 153,800,000 | 157,093,000 |
| Allowance for loan losses | 1,497,000 | 1,518,000 | 1,540,000 | 1,539,000 |
| Securities available for sale | 33,339,000 | 34,259,000 | 33,229,000 | 30,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,432,000 | 170,797,000 | 172,514,000 | 176,267,000 |
| Interest-bearing deposits | 144,858,000 | 135,419,000 | 138,303,000 | 138,777,000 |
| Noninterest-bearing deposits | 41,574,000 | 35,378,000 | 34,211,000 | 37,490,000 |
| Equity capital | 19,296,000 | 20,256,000 | 20,758,000 | 20,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,936,000 | 3,960,000 | 6,003,000 | 8,093,000 |
| Interest expense | 201,000 | 410,000 | 641,000 | 884,000 |
| Net interest income | 1,735,000 | 3,550,000 | 5,362,000 | 7,209,000 |
| Noninterest income | 219,000 | 441,000 | 678,000 | 915,000 |
| Noninterest expense | 943,000 | 1,825,000 | 2,771,000 | 3,796,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 990,000 | 2,124,000 | 3,206,000 | 4,240,000 |
| Income tax | 21,000 | 78,000 | 132,000 | 154,000 |
| Net income | 969,000 | 2,046,000 | 3,074,000 | 4,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,013,000 | 19,590,000 | 20,118,000 | 20,030,000 |
| Total capital | 20,510,000 | 21,108,000 | 21,658,000 | 21,569,000 |
| Risk-weighted assets | 164,461,000 | 164,780,000 | 166,417,000 | 167,605,000 |