Call reports 2018
NSB BANK — 2018
What NSB BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 211,893,000 | 200,706,000 | 202,745,000 | 203,747,000 |
| Total loans | 158,144,000 | 161,107,000 | 162,705,000 | 163,730,000 |
| Allowance for loan losses | 1,560,000 | 1,566,000 | 1,588,000 | 1,623,000 |
| Securities available for sale | 29,220,000 | 28,285,000 | 27,479,000 | 27,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,953,000 | 168,505,000 | 167,896,000 | 173,542,000 |
| Interest-bearing deposits | 136,378,000 | 128,431,000 | 130,149,000 | 139,054,000 |
| Noninterest-bearing deposits | 44,575,000 | 40,074,000 | 37,747,000 | 34,488,000 |
| Equity capital | 21,026,000 | 21,403,000 | 21,560,000 | 21,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,111,000 | 4,382,000 | 6,665,000 | 9,017,000 |
| Interest expense | 232,000 | 513,000 | 851,000 | 1,244,000 |
| Net interest income | 1,879,000 | 3,869,000 | 5,814,000 | 7,773,000 |
| Noninterest income | 213,000 | 428,000 | 648,000 | 900,000 |
| Noninterest expense | 943,000 | 1,913,000 | 2,933,000 | 3,912,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 234,000 |
| Pretax income | 1,128,000 | 2,342,000 | 3,466,000 | 4,527,000 |
| Income tax | 54,000 | 115,000 | 170,000 | 221,000 |
| Net income | 1,074,000 | 2,227,000 | 3,296,000 | 4,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,704,000 | 21,106,000 | 21,426,000 | 21,335,000 |
| Total capital | 22,264,000 | 22,672,000 | 23,014,000 | 22,958,000 |
| Risk-weighted assets | 170,607,000 | 170,495,000 | 172,224,000 | 173,991,000 |