|
| ($
000s except per share amounts) |
|
As of December 31, |
2000
|
1999
|
Change
|
%Change
|
| Total
Assets |
$
|
538,256
|
$
|
476,681
|
$
|
61,575
|
12.92%
|
| Gross
Loans |
|
298,851
|
|
248,162
|
|
50,689
|
20.43
|
| Total
Deposits |
|
373,121
|
|
334,251
|
|
38,870
|
11.63
|
| Total
Stockholders' Equity |
|
72,439
|
|
65,534
|
|
6,905
|
10.54
|
| |
| Years
Ended December 31, |
2000
|
1999
|
Change
|
%Change
|
| Net
Income |
$
|
7,934
|
$
|
7,884
|
$
|
50
|
0.63%
|
| PER
SHARE DATA |
|
|
|
|
|
|
|
| Net
Income |
|
1.78
|
|
1.77
|
|
0.01
|
0.56%
|
| Book
Value |
|
16.24
|
|
14.70
|
|
1.54
|
10.48
|
| Cash
Dividends |
|
0.90
|
|
0.75
|
|
0.15
|
20.00
|
| SELECTED
AVERAGE BALANCES |
|
|
|
|
|
|
|
| Total
Assets |
$
|
499,525
|
$
|
472,699
|
$
|
26,826
|
5.68%
|
| Total
Loans |
|
274,194
|
|
244,039
|
|
30,155
|
12.36
|
| Total
Deposits |
|
349,520
|
|
345,542
|
|
3,978
|
1.15
|
| Total
Stockholders' Equity |
|
67,241
|
|
65,419
|
|
1,822
|
2.79
|
| PROFITABILITY |
|
|
|
|
|
|
|
| Return
on Average Assets (1) |
|
1.59%
|
|
1.67%
|
|
-0.08%
|
-4.79%
|
| Return
on Average Equity (1) |
|
11.80
|
|
12.05
|
|
-0.25
|
-2.07
|
| Tax
Equivalent Net Interest Income to
Average Earnings Assets |
|
3.87
|
|
4.11
|
|
-0.24
|
-5.84
|
| CAPITAL
ADEQUACY |
|
|
|
|
|
|
|
Average
Equity to Average
Assets (1) |
|
13.46%
|
|
13.84%
|
|
-0.38%
|
-2.75%
|
| Tier
II Capital Ratio |
|
20.45
|
|
22.72
|
|
-2.27
|
-9.99
|
Loan
Loss Allowance as a % of
Total Loans |
|
1.57
|
|
2.16
|
|
-0.59
|
-27.31
|
| LIQUIDITY |
|
|
|
|
|
|
|
| Average
Loans to Average Deposits |
|
78.45%
|
|
70.62%
|
|
7.83%
|
11.09%
|
| |
|
|
|
|
|
|
|
| (1)
- Does not reflect impact of /securities available for sale
on average balances. |
|
|
|
|
4
|
NSFC ANNUAL REPORT 2000 |
|
