Call reports 2023
NSB BANK — 2023
What NSB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 459,144,000 | 432,890,000 | 425,211,000 | 437,590,000 |
| Total loans | 277,892,000 | 286,504,000 | 290,681,000 | 307,888,000 |
| Allowance for loan losses | 3,401,000 | 3,366,000 | 3,401,000 | 3,429,000 |
| Securities available for sale | 135,489,000 | 120,300,000 | 107,792,000 | 100,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,186,000 | 391,997,000 | 380,026,000 | 376,396,000 |
| Interest-bearing deposits | 317,831,000 | 302,793,000 | 269,555,000 | 293,492,000 |
| Noninterest-bearing deposits | 99,355,000 | 89,204,000 | 110,471,000 | 82,904,000 |
| Equity capital | 31,662,000 | 30,400,000 | 28,528,000 | 31,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,419,000 | 9,008,000 | 13,524,000 | 18,278,000 |
| Interest expense | 1,031,000 | 2,368,000 | 3,858,000 | 5,829,000 |
| Net interest income | 3,388,000 | 6,640,000 | 9,666,000 | 12,449,000 |
| Noninterest income | 475,000 | 923,000 | 1,318,000 | 1,732,000 |
| Noninterest expense | 1,896,000 | 3,914,000 | 5,798,000 | 7,867,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,937,000 | 3,612,000 | 5,119,000 | 5,886,000 |
| Income tax | 76,000 | 139,000 | 140,000 | 160,000 |
| Net income | 1,861,000 | 3,473,000 | 4,979,000 | 5,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,744,000 | 37,135,000 | 37,400,000 | 36,756,000 |
| Total capital | 40,145,000 | 40,501,000 | 40,801,000 | 40,185,000 |
| Risk-weighted assets | 301,174,000 | 304,240,000 | 307,496,000 | 325,603,000 |