Call reports 2020
NSB BANK — 2020
What NSB BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 220,428,000 | 242,906,000 | 237,095,000 | 228,052,000 |
| Total loans | 178,287,000 | 201,117,000 | 197,812,000 | 185,847,000 |
| Allowance for loan losses | 1,717,000 | 2,214,000 | 2,366,000 | 2,488,000 |
| Securities available for sale | 26,055,000 | 25,996,000 | 25,492,000 | 24,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,146,000 | 206,562,000 | 202,438,000 | 199,927,000 |
| Interest-bearing deposits | 145,850,000 | 162,835,000 | 159,387,000 | 155,187,000 |
| Noninterest-bearing deposits | 36,296,000 | 43,727,000 | 43,051,000 | 44,740,000 |
| Equity capital | 23,844,000 | 24,915,000 | 25,291,000 | 19,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,484,000 | 5,586,000 | 7,932,000 | 10,138,000 |
| Interest expense | 422,000 | 764,000 | 1,101,000 | 1,388,000 |
| Net interest income | 2,062,000 | 4,822,000 | 6,831,000 | 8,750,000 |
| Noninterest income | 198,000 | 385,000 | 600,000 | 879,000 |
| Noninterest expense | 1,073,000 | 2,058,000 | 3,236,000 | 4,397,000 |
| Provision for loan losses | 58,000 | 558,000 | 708,000 | 858,000 |
| Pretax income | 1,129,000 | 2,591,000 | 3,487,000 | 4,367,000 |
| Income tax | 53,000 | 127,000 | 171,000 | 259,000 |
| Net income | 1,076,000 | 2,464,000 | 3,316,000 | 4,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,253,000 | 24,142,000 | 24,493,000 | 18,791,000 |
| Total capital | 24,970,000 | 26,356,000 | 26,762,000 | 21,089,000 |
| Risk-weighted assets | 188,162,000 | 186,371,000 | 181,425,000 | 183,659,000 |