Call reports 2019
NSB BANK — 2019
What NSB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 211,305,000 | 202,231,000 | 209,781,000 | 211,328,000 |
| Total loans | 163,843,000 | 162,195,000 | 165,638,000 | 173,395,000 |
| Allowance for loan losses | 1,634,000 | 1,734,000 | 1,732,000 | 1,658,000 |
| Securities available for sale | 27,270,000 | 26,979,000 | 26,680,000 | 26,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,146,000 | 169,595,000 | 176,606,000 | 173,015,000 |
| Interest-bearing deposits | 145,042,000 | 136,038,000 | 142,565,000 | 137,909,000 |
| Noninterest-bearing deposits | 34,104,000 | 33,557,000 | 34,041,000 | 35,106,000 |
| Equity capital | 22,520,000 | 23,071,000 | 23,576,000 | 23,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,339,000 | 4,758,000 | 7,190,000 | 9,646,000 |
| Interest expense | 412,000 | 849,000 | 1,288,000 | 1,717,000 |
| Net interest income | 1,927,000 | 3,909,000 | 5,902,000 | 7,929,000 |
| Noninterest income | 200,000 | 392,000 | 643,000 | 888,000 |
| Noninterest expense | 1,033,000 | 2,014,000 | 3,074,000 | 4,384,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 1,079,000 | 2,262,000 | 3,446,000 | 4,408,000 |
| Income tax | 52,000 | 110,000 | 168,000 | 216,000 |
| Net income | 1,027,000 | 2,152,000 | 3,278,000 | 4,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,963,000 | 22,363,000 | 22,763,000 | 22,678,000 |
| Total capital | 23,597,000 | 24,097,000 | 24,495,000 | 24,336,000 |
| Risk-weighted assets | 172,950,000 | 172,581,000 | 176,401,000 | 183,619,000 |