Call reports 2021
NSB BANK — 2021
What NSB BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 241,062,000 | 242,838,000 | 449,119,000 | 438,359,000 |
| Total loans | 187,141,000 | 180,964,000 | 272,108,000 | 283,743,000 |
| Allowance for loan losses | 2,520,000 | 2,567,000 | 2,609,000 | 2,658,000 |
| Securities available for sale | 27,000,000 | 33,942,000 | 118,441,000 | 128,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,378,000 | 212,057,000 | 392,117,000 | 384,228,000 |
| Interest-bearing deposits | 161,474,000 | 161,392,000 | 308,233,000 | 291,622,000 |
| Noninterest-bearing deposits | 49,904,000 | 50,665,000 | 83,884,000 | 92,606,000 |
| Equity capital | 19,960,000 | 20,372,000 | 40,070,000 | 39,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,698,000 | 5,083,000 | 11,609,000 | 15,537,000 |
| Interest expense | 213,000 | 406,000 | 433,000 | 741,000 |
| Net interest income | 2,485,000 | 4,677,000 | 11,176,000 | 14,796,000 |
| Noninterest income | 212,000 | 503,000 | 1,486,000 | 1,889,000 |
| Noninterest expense | 1,033,000 | 2,296,000 | 6,302,000 | 7,745,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,634,000 | 2,824,000 | 6,585,000 | 9,135,000 |
| Income tax | 107,000 | 163,000 | 347,000 | 396,000 |
| Net income | 1,527,000 | 2,661,000 | 6,238,000 | 8,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,268,000 | 19,603,000 | 34,775,000 | 35,109,000 |
| Total capital | 21,612,000 | 21,942,000 | 37,384,000 | 37,766,000 |
| Risk-weighted assets | 187,306,000 | 186,859,000 | 298,431,000 | 304,692,000 |