Call reports 2022
NSB BANK — 2022
What NSB BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 460,338,000 | 435,781,000 | 436,508,000 | 435,210,000 |
| Total loans | 264,601,000 | 275,441,000 | 281,685,000 | 296,942,000 |
| Allowance for loan losses | 2,693,000 | 2,725,000 | 2,762,000 | 2,966,000 |
| Securities available for sale | 129,751,000 | 120,988,000 | 112,001,000 | 110,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,088,000 | 394,870,000 | 398,592,000 | 394,410,000 |
| Interest-bearing deposits | 323,796,000 | 302,657,000 | 309,975,000 | 295,908,000 |
| Noninterest-bearing deposits | 92,292,000 | 92,213,000 | 88,617,000 | 98,502,000 |
| Equity capital | 33,135,000 | 30,301,000 | 27,464,000 | 28,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,256,000 | 6,887,000 | 10,570,000 | 14,894,000 |
| Interest expense | 250,000 | 512,000 | 954,000 | 1,758,000 |
| Net interest income | 3,006,000 | 6,375,000 | 9,616,000 | 13,136,000 |
| Noninterest income | 425,000 | 887,000 | 1,327,000 | 1,742,000 |
| Noninterest expense | 1,872,000 | 3,637,000 | 5,563,000 | 7,607,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 288,000 |
| Pretax income | 1,529,000 | 3,565,000 | 5,210,000 | 6,847,000 |
| Income tax | 74,000 | 165,000 | 245,000 | 298,000 |
| Net income | 1,455,000 | 3,400,000 | 4,965,000 | 6,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,090,000 | 35,984,000 | 36,449,000 | 35,983,000 |
| Total capital | 37,783,000 | 38,709,000 | 39,211,000 | 38,949,000 |
| Risk-weighted assets | 294,902,000 | 298,054,000 | 304,972,000 | 316,324,000 |