Call reports 2024
NSB BANK — 2024
What NSB BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 432,008,000 | 449,746,000 | 474,652,000 | 462,777,000 |
| Total loans | 308,261,000 | 321,644,000 | 328,811,000 | 333,587,000 |
| Allowance for loan losses | 3,464,000 | 3,498,000 | 3,526,000 | 3,527,000 |
| Securities available for sale | 99,531,000 | 98,970,000 | 101,425,000 | 99,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,093,000 | 380,582,000 | 402,231,000 | 396,002,000 |
| Interest-bearing deposits | 304,566,000 | 307,318,000 | 323,777,000 | 321,136,000 |
| Noninterest-bearing deposits | 78,527,000 | 73,264,000 | 78,454,000 | 74,866,000 |
| Equity capital | 31,553,000 | 31,620,000 | 34,678,000 | 32,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,907,000 | 10,002,000 | 15,509,000 | 21,216,000 |
| Interest expense | 2,158,000 | 4,549,000 | 7,325,000 | 10,186,000 |
| Net interest income | 2,749,000 | 5,453,000 | 8,184,000 | 11,030,000 |
| Noninterest income | 402,000 | 837,000 | 1,271,000 | 1,783,000 |
| Noninterest expense | 1,875,000 | 3,952,000 | 5,858,000 | 7,957,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,246,000 | 2,278,000 | 3,507,000 | 4,736,000 |
| Income tax | 35,000 | 62,000 | 113,000 | 162,000 |
| Net income | 1,211,000 | 2,216,000 | 3,394,000 | 4,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,925,000 | 36,988,000 | 37,197,000 | 37,234,000 |
| Total capital | 40,389,000 | 40,486,000 | 40,724,000 | 40,761,000 |
| Risk-weighted assets | 323,357,000 | 337,000,000 | 364,077,000 | 349,499,000 |