0001437749-22-024475.txt : 20221020 0001437749-22-024475.hdr.sgml : 20221020 20221020163013 ACCESSION NUMBER: 0001437749-22-024475 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20221020 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221020 DATE AS OF CHANGE: 20221020 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NATIONAL BANKSHARES INC CENTRAL INDEX KEY: 0000796534 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 541375874 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-15204 FILM NUMBER: 221321456 BUSINESS ADDRESS: STREET 1: 101 HUBBARD STREET STREET 2: PO BOX 90002 CITY: BLACKSBURG STATE: VA ZIP: 24060 BUSINESS PHONE: 540-951-6300 MAIL ADDRESS: STREET 1: 101 HUBBARD STREET STREET 2: PO BOX 90002 CITY: BLACKSBURG STATE: VA ZIP: 24060 8-K 1 nksh20221018_8k.htm FORM 8-K nksh20221018_8k.htm
false 0000796534 0000796534 2022-10-20 2022-10-20
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 
Washington, D.C. 20549
 
Form 8-K
 
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934
 
Date of Report (Date of earliest event reported) October 20, 2022
 
NATIONAL BANKSHARES, INC.
(Exact name of Registrant as specified in its charter)
 
 
Virginia
0-15204
54-1375874
(State or other jurisdiction
of incorporation)
(Commission File No.)
(I.R.S. Employer Identification No.)
 
101 Hubbard Street
Blacksburg, VA 24060
(Address of principal executive offices)
 
(540) 951-6300
(Registrant’s telephone number, including area code)
 
(Former name or former address, if changed since last report) Not applicable
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock
NKSH
NASDAQ
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
☐    Emerging growth company
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
 
 
 
 
ITEM 2.02.         RESULTS OF OPERATIONS, FINANCIAL STATEMENTS AND EXHIBITS
 
On October 20, 2022, National Bankshares, Inc. issued a press release announcing and commenting on its financial results for the quarter ended September 30, 2022.  A copy of the press release is attached as Exhibit 99.1.
 
ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS
 
(d)
Exhibits
 
99.1
 
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 
 
SIGNATURE
 
Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
 
NATIONAL BANKSHARES, INC.
 
 
Date: October 20, 2022
 
By:         /s/ F. BRAD DENARDO
  
F. Brad Denardo
Chairman, President & CEO
  
 
Page 2 of 2 Pages
 EX-99.1 2 ex_433218.htm EXHIBIT 99.1 ex_433218.htm

Exhibit 99.1

 nb01.jpg

FOR IMMEDIATE RELEASE

 

CONTACTS: F. Brad Denardo, Chairman, President & CEO Lora M. Jones, Treasurer & CFO
  (540) 951-6213 bdenardo@nbbank.com (540) 951-6238 ljones@nbbank.com

 

National Bankshares, Inc. Reports Income for the Third Quarter and Nine Months Ended September 30, 2022

 

BLACKSBURG, VA., October 20, 2022 -- National Bankshares, Inc. (NASDAQ: NKSH), parent company of The National Bank of Blacksburg, today announced its results of operations for the third quarter and nine months ended September 30, 2022. The Company reported net income of $16.62 million, or $2.77 per common share, for the nine months ended September 30, 2022. This compares to net income of $15.13 million, or $2.42 per common share, for the nine months ended September 30, 2021. National Bankshares, Inc. ended September 30, 2022 with total assets of $1.70 billion.

 

President & CEO F. Brad Denardo commented, “We are pleased to share another good earnings report, with a nice increase in net income compared to the same period last year. Our talented team of banking professionals continued to grow the Company, bringing in quality new deposits and loans while providing excellent service to all of our customers. The backing of our communities and the investment of our shareholders remain vital to our success, and we thank them for their continued trust and support.”

 

Highlights for the Nine Months Ended September 30, 2022

 

Income Statement

When results for the nine months ended September 30, 2022 and September 30, 2021 are compared, the $1.49 million increase in net income was generated by growth in net interest income and service charges on deposit accounts, as well as decreased pension expense.

 

Net Interest Income

Net interest income benefitted from a decrease in interest expense and expansion in the yield on earning assets. Interest expense for the nine months ended September 30, 2022 was $2.01 million, improved from $2.41 million for the nine months ended September 30, 2021. The cost of interest-bearing liabilities improved from an annualized 0.30% for the nine months ended September 30, 2021 to 0.23% for the nine months ended September 30, 2022. Elevated levels of deposits and liquidity within the Company and across the general banking industry supported favorable deposit pricing during the nine months ended September 30, 2022.

 

Federal Reserve interest rate increases in 2022 as well as growth in earning assets expanded interest income. The fully taxable equivalent (“FTE”) interest income(1) was $36.82 million for the nine months ended September 30, 2022, compared with $34.16 million for the nine months ended September 30, 2021. The FTE yield on earning assets for the nine months ended September 30, 2022 was 2.96%, compared with 3.03% for the nine months ended September 30, 2021. During the nine months ended September 30, 2021, $2.03 million in interest and fees from Paycheck Protection Program (PPP) loans contributed 18 basis points to the FTE yield on earning assets. PPP loans were essentially paid off by December 31, 2021. On a comparable basis, excluding PPP loans from 2021, the yield on earning assets for the nine months ended September 30, 2021 was 2.85%.

 

The Company expects further rate increases from the Federal Reserve, which will continue to benefit asset yields, but will also put upward pressure on deposit costs.

 

Service Charges on Deposit Accounts and Pension Expense

Service charges on deposit accounts increased $338 thousand when the nine months ended September 30, 2022 are compared with the same period of 2021. Fees for overdraft and nonsufficient funds provided most of the increase, as depositor activity recovered from lower levels earlier in the COVID-19 pandemic. The Company offers depositors various overdraft solutions and provides disclosures on its fees.

 

101 Hubbard Street / Blacksburg, Virginia 24060

P.O. Box 90002 / Blacksburg, Virginia 24062-9002

540 951-6300 / 800 552-4123

www.nationalbankshares.com

 
 

 

Pension expense is determined at the beginning of each year by actuarial calculations incorporating demographic and market assumptions. When the nine months ended September 30, 2022 are compared with the same period of 2021, the decrease in pension cost lowered salary expense by $111 thousand, and decreased other noninterest expense by $448 thousand. Pension expense is subject to fluctuations in equity and bond markets and may differ in coming years.

 

Balance Sheet

Deposits

Customer deposits increased $137.92 million or 9.63% from September 30, 2021 to September 30, 2022.

 

Loans

Healthy demand grew loans, net of unearned income and deferred cost, by $55.37 million or 6.94% when September 30, 2022 is compared with September 30, 2021. At September 30, 2021, PPP loans were $12.09 million. On a comparable basis, excluding PPP loans, loan growth would have been $67.26 million or 8.56%. Due to the rise in interest rates, we expect loan demand to soften during coming quarters.

 

Loan quality continues to reflect low credit risk, with net charge-offs of $163 thousand or 0.03% of average loans for the nine months ended September 30, 2022. This compares with $445 thousand or 0.08% for the nine months ended September 30, 2021. The allowance for loan losses as a percentage of loans was 0.96% at September 30, 2022 and 0.97% at September 30, 2021.

 

Securities

Securities available for sale at September 30, 2022 grew $15.92 million or 2.48% from September 30, 2021. Securities are reported net of unrealized gains and losses, and yields on securities typically move inversely to interest rate movements. Beginning in March 2022, the Federal Reserve increased rates 300 basis points, leading to an unrealized loss of $107.96 million at September 30, 2022. This compares with an unrealized gain of $5.93 million at September 30, 2021. The Company’s Asset Liability Management Committee is closely monitoring interest rate risk on all of the Company’s financial assets and liabilities. At this time, the Company has high liquidity and a relatively low loan-to-deposit ratio. No securities sales are anticipated and the unrealized loss is not expected to impact net income.

 

Stockholders’ Equity

Stockholders’ Equity decreased $78.67 million or 41.22% from September 30, 2021 to September 30, 2022. The ratio of tangible common equity to tangible assets(1) decreased from 11.29% at September 30, 2021 to 6.28% at September 30, 2022. The decrease stems from the unrealized loss on securities that is reflected in the equity component, Accumulated Other Comprehensive Loss. Accumulated Other Comprehensive Loss is excluded from the Bank’s regulatory capital and does not impact regulatory capital ratios. The Bank is considered well capitalized, with capital ratios considerably higher than minimum regulatory requirements.

 

During the third quarter of 2022, the Company repurchased 23,500 shares under its publicly announced repurchase program.

 

Key Ratios

Key ratios improved when results for the nine months ended September 30, 2022 are compared with those for the same period of 2021, including the return on average equity, return on average assets and efficiency ratio. The return on average equity for the nine months ended September 30, 2022 was 14.04%, compared with 10.36% for the nine months ended September 30, 2021. If Accumulated Other Comprehensive Income (Loss) is excluded, the return on average equity for the nine months ended September 30, 2022 was 11.09%, improved from 10.18% for the nine months ended September 30, 2021.

 

The return on average assets improved from 1.25% for the nine months ended September 30, 2021 to 1.29% for the nine months ended September 30, 2022. The Company’s efficiency ratio(1) improved from 51.54% for the nine months ended September 30, 2021 to 48.03% for the nine months ended September 30, 2022.

 

2
 

 

(1)Non-GAAP Financial Measures

In addition to financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”), the Company uses certain non-GAAP financial measures that provide useful information for financial and operational decision making, evaluating trends, and comparing financial results to other financial institutions. The non-GAAP financial measures presented in this document include tangible common equity to tangible assets, the net interest margin and the efficiency ratio.

 

Tangible common equity and tangible assets exclude goodwill. The net interest margin is presented on a fully taxable equivalent basis (“FTE”), using the federal statutory income tax rate of 21%. Efficiency ratio is calculated as noninterest expense, less non-recurring items, divided by the sum of noninterest income and net interest income on an FTE basis. The Company believes certain non-GAAP financial measures enhance the understanding of its business and performance. Non-GAAP financial measures are supplemental and not a substitute for, or more important than, financial measures prepared in accordance with GAAP and may not be comparable to those reported by other financial institutions.

 

About National Bankshares

National Bankshares, Inc., headquartered in Blacksburg, Virginia, is the parent company of The National Bank of Blacksburg, which does business as National Bank, and of National Bankshares Financial Services, Inc.  National Bank is a community bank operating from 24 full-service offices and two loan production offices. National Bankshares Financial Services, Inc. is an investment and insurance subsidiary in the same trade area.  The Company’s stock is traded on the NASDAQ Capital Market under the symbol “NKSH.” Additional information is available at www.nationalbankshares.com.

 

 

Forward-Looking Statements

Certain statements in this press release may be “forward-looking statements.” Forward-looking statements are statements that include projections, predictions, expectations, or beliefs about future events or results that are not statements of historical fact and that involve significant risks and uncertainties. Although the Company believes that its expectations with regard to forward-looking statements are based upon reasonable assumptions within the bounds of its existing knowledge of its business and operations, there can be no assurance that actual Company results will not differ materially from any future results implied by the forward-looking statements. Actual results may be materially different from past or anticipated results because of many factors, some of which may include changes in economic conditions, the interest rate environment, legislative and regulatory requirements, new products, competition, changes in the stock and bond markets, and technology. The Company does not update any forward-looking statements that it may make.

 

3
 

 

National Bankshares, Inc.

Consolidated Balance Sheets

(Unaudited)

 

($ in thousands, except for share and per share data)

  

September 30,

2022

    

September 30,

2021

    

December 31,

2021

  

Assets

                        

Cash and due from banks

   $ 10,957     $ 11,728     $ 8,768  

Interest-bearing deposits

     79,466       118,863       130,021  

Securities available for sale, at fair value

     657,410       641,486       686,080  

Restricted stock

     941       845       845  

Mortgage loans held for sale

     -       235       615  

Loans:

                        

Loans, net of unearned income and deferred fees and costs

     852,863       797,494       803,248  
Less: allowance for loan losses     (8,207 )     (7,698 )     (7,674 )

Loans, net

     844,656       789,796       795,574  

Premises and equipment, net

     10,183       9,823       9,722  

Accrued interest receivable

     5,822       5,161       5,104  

Other real estate owned, net

     907       957       957  

Intangible assets and goodwill

     5,848       5,848       5,848  

Bank-owned life insurance

     43,072       42,108       42,354  

Other assets

     39,684       17,181       16,287  

Total assets

   $ 1,698,946     $ 1,644,031     $ 1,702,175  
                         

Liabilities and Stockholders' Equity

                        

Noninterest-bearing deposits

   $ 358,772     $ 328,893     $ 317,430  

Interest-bearing demand deposits

     917,449       819,730       890,124  

Savings deposits

     217,405       201,656       208,065  

Time deposits

     77,023       82,455       78,968  

Total deposits

     1,570,649       1,432,734       1,494,587  

Accrued interest payable

     40       46       48  

Other liabilities

     16,070       20,398       15,789  

Total liabilities

     1,586,759       1,453,178       1,510,424  
                         

Stockholders' Equity

                        

Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding

     -       -       -  

Common stock of $1.25 par value. Authorized 10,000,000 shares; issued and outstanding 5,957,275 shares at September 30, 2022, 6,063,937 shares at December 31, 2021 and 6,096,958 at September 30, 2021

     7,447       7,621       7,580  

Retained earnings

     196,941       188,693       188,229  
Accumulated other comprehensive loss, net     (92,201 )     (5,461 )     (4,058 )

Total stockholders' equity

     112,187       190,853       191,751  

Total liabilities and stockholders' equity

   $ 1,698,946     $ 1,644,031     $ 1,702,175  

 

4
 

 

National Bankshares, Inc.

Consolidated Statements of Income

(Unaudited)

 

   

Three Months Ended

September 30

    

Nine Months Ended

September 30

  

($ in thousands, except for share and per share data)

  

2022

    

2021

    

2022

    

2021

  

Interest Income

                                

Interest and fees on loans

   $ 8,816     $ 9,088     $ 25,240     $ 26,104  

Interest on federal funds

     -       -       -       -  

Interest on interest-bearing deposits

     506       56       757       123  

Interest on securities - taxable

     3,425       2,043       8,847       5,736  

Interest on securities - nontaxable

     408       469       1,283       1,472  

Total interest income

     13,155       11,656       36,127       33,435  

Interest Expense

                                

Interest on time deposits

     31       61       105       223  

Interest on other deposits

     722       658       1,950       2,185  

Total interest expense

     753       719       2,055       2,408  

Net interest income

     12,402       10,937       34,072       31,027  

Provision for (recovery of) loan losses

     252       (392 )     696       (338 )

Net interest income after provision for loan losses

     12,150       11,329       33,376       31,365  

Noninterest Income

                               

Service charges on deposit accounts

     661       548       1,826       1,488  

Other service charges and fees

     51       50       157       134  

Credit card fees

     448       460       1,423       1,373  

Trust income

     492       433       1,374       1,282  

Bank-owned life insurance

     239       248       718       664  

Other income

     249       253       1,045       1,321  

Realized securities gain, net

     -       -       -       5  

Total noninterest income

     2,140       1,992       6,543       6,267  
                                 

Noninterest Expense

                                

Salaries and employee benefits

     4,144       3,909       12,133       11,767  

Occupancy and furniture and fixtures

     476       447       1,432       1,378  

Data processing and ATM

     774       728       2,354       2,292  

FDIC assessment

     114       120       336       296  

Net cost of other real estate owned

     68       11       78       49  

Franchise taxes

     375       367       1,108       1,059  

Other operating expenses

     785       785       2,219       2,509  

Total noninterest expense

     6,736       6,367       19,660       19,350  

Income before income tax expense

     7,554       6,954       20,259       18,282  

Income tax expense

     1,392       1,202       3,637       3,151  

Net Income

  $ 6,162     $ 5,752     $ 16,622     $ 15,131  

Basic and fully diluted net income per share

   $ 1.03     $ 0.94     $ 2.77     $ 2.42  

Weighted average number of common shares outstanding

                                

Basic and Diluted

     5,974,961       6,142,538       6,008,607       6,253,796  

Dividends declared per share

   $ -     $ -     $ 0.72     $ 0.70  

Dividend payout ratio

     -       -       25.98 %     28.54  

Book value per share

   $ -     $ -     $ 18.83     $ 31.30  

 

5
 

 

National Bankshares, Inc.

Consolidated Statements of Comprehensive (Loss) Income

(Unaudited)

 

 

   

Three Months Ended

September 30,

  
($ in thousands)   2022     2021  
Net income   $ 6,162     $ 5,752  
Other Comprehensive Loss, Net of Tax                
Unrealized holding loss on available for sale securities net of tax of ($7,822) for the period ended September 30, 2022 and ($905) for the period ended September 30, 2021     (29,424 )     (3,403 )
Other comprehensive loss, net of tax   $ (29,424 )   $ (3,403 )
Total Comprehensive (Loss) Income   $ (23,262 )   $ 2,349  

 

   

Nine Months Ended

September 30,

  
($ in thousands)   2022     2021  
Net income   $ 16,622     $ 15,131  
Other Comprehensive Loss, Net of Tax                
Unrealized holding loss on available for sale securities net of tax of ($23,431) for the period ended September 30, 2022 and ($2,254) for the period ended September 30, 2021   $ (88,143 )   $ (8,477 )
Reclassification adjustment for gain included in net income, net of tax of ($1) for the period ended September 30, 2021     -       (4 )
Other comprehensive loss, net of tax   $ (88,143 )   $ (8,481 )
Total Comprehensive (Loss) Income   $ (71,521 )   $ 6,650  

 

6
 

 

National Bankshares, Inc.

Net Interest Margin

(Unaudited)

 

   

Three Months Ended September 30,

  
   

2022

    

2021

  
   

Average
Balance

    

Interest

    

Average
Yield/
Rate

    

Average
Balance

    

Interest

    

Average
Yield/
Rate

  

Interest-earning assets:

                                                

Loans (1)(2)(4)(5)

   $ 849,929     $ 8,900       4.15

%

   $ 798,807     $ 9,172       4.56

%

Taxable securities (6)(7)

     683,490       3,425       1.99

%

     540,854       2,043       1.50

%

Nontaxable securities (1)(6)

     74,670       556       2.95

%

     79,097       626       3.14

%

Interest-bearing deposits

     89,165       506       2.25

%

     145,759       56       0.15

%

Total interest-earning assets

   $ 1,697,254     $ 13,387       3.13

%

   $ 1,564,517     $ 11,897       3.02

%

Interest-bearing liabilities:

                                                

Interest-bearing demand deposits

   $ 936,368     $ 686       0.29

%

   $ 839,477     $ 617       0.29

%

Savings deposits

     217,637       36       0.07

%

     195,767       41       0.08

%

Time deposits

     78,198       31       0.16

%

     86,379       61       0.28

%

Total interest-bearing liabilities

   $ 1,232,203     $ 753       0.24

%

   $ 1,121,623     $ 719       0.25

%

Net interest income and interest rate spread

           $ 12,634       2.89

%

           $ 11,178       2.77

%

Net yield on average interest‑earning assets

                     2.95

%

                     2.83

%

 

   

Nine Months Ended September 30,

  
   

2022

    

2021

  
   

Average
Balance

    

Interest

    

Average
Yield/
Rate

    

Average
Balance

    

Interest

    

Average
Yield/
Rate

  

Interest-earning assets:

                                                

Loans(1)(3)(4)(5)

   $ 829,133     $ 25,484       4.11

%

   $ 786,613     $ 26,341       4.48

%

Taxable securities(6)(7)

     662,824       8,847       1.78

%

     505,134       5,736       1.52

%

Nontaxable securities(1)(6)

     75,806       1,728       3.05

%

     80,596       1,960       3.25

%

Interest-bearing deposits

     97,917       757       1.03

%

     136,391       123       0.12

%

Total interest-earning assets

   $ 1,665,680     $ 36,816       2.96

%

   $ 1,508,734     $ 34,160       3.03

%

Interest-bearing liabilities:

                                                

Interest-bearing demand deposits

   $ 911,926     $ 1,839       0.27

%

   $ 799,593     $ 2,053       0.34

%

Savings deposits

     216,691       111       0.07

%

     186,720       132       0.09

%

Time deposits

     79,981       105       0.18

%

     88,009       223       0.34

%

Total interest-bearing liabilities

   $ 1,208,598     $ 2,055       0.23

%

   $ 1,074,322     $ 2,408       0.30

%

Net interest income and interest rate spread

           $ 34,761       2.73

%

           $ 31,752       2.73

%

Net yield on average interest‑earning assets

                     2.79

%

                     2.81

%

 

(1)

Interest on nontaxable loans and securities is computed on a fully taxable equivalent basis using a Federal income tax rate of 21%.

(2)

Included in interest income are loan fees of $82 and $911 for the three months ended September 30, 2022 and 2021, respectively.

(3)

Included in interest income are loan fees of $195 and $1,855 for the nine months ended September 30, 2022 and 2021, respectively.

(4)

Nonaccrual loans are included in average balances for yield computations.

(5)

Includes loans held for sale.

(6)

Daily averages are shown at amortized cost.

(7)

Includes restricted stock.

 

7
 

 

National Bankshares, Inc.

Key Ratios and Other Data

(Unaudited)

 

   

Three Months Ended

September 30,

    

Nine Months Ended

September 30,

  

($ in thousands)

  

2022

    

2021

    

2022

    

2021

  

Average Balances

                                

Cash and due from banks

   $ 11,275     $ 11,412     $ 11,676     $ 11,725  

Interest-bearing deposits

     89,165       145,759       97,917       136,391  

Securities available for sale

     686,303       631,320       693,303       593,350  

Mortgage loans held for sale

     194       569       184       610  

Loans, gross

     850,175       799,984       829,400       787,750  

Loans, net of unearned income and deferred fees and costs

     849,735       798,238       828,949       786,003  

Loans, net

     841,619       790,186       821,082       777,649  

Intangible assets

     5,848       5,848       5,848       5,848  

Total assets

     1,728,040       1,662,897       1,716,907       1,601,711  
                                 

Noninterest bearing deposits

     341,030       326,478       334,727       313,911  

Interest-bearing and savings deposits

     1,154,005       1,035,244       1,128,617       986,313  

Time deposits

     78,198       86,379       79,981       88,009  

Total deposits

     1,573,233       1,448,101       1,543,325       1,388,233  

Stockholders' equity

     138,787       194,573       157,540       193,184  
                                 

Financial Ratios

                                

Return on average assets(1)

     1.41 %     1.32 %     1.29 %     1.25 %

Return on average equity(1)

     17.61 %     11.26 %     14.04 %     10.36 %

Efficiency ratio(2)

     45.59 %     48.34 %     48.03 %     51.54 %

Average equity to average assets

     8.03 %     11.70 %     9.18 %     12.06 %
                                 

Allowance for Loan Losses

                                

Beginning balance

   $ 8,069     $ 8,077     $ 7,674     $ 8,481  

Provision for (recovery of) losses

     252       (392

)

     696       (338

)

Charge-offs

     (181

)

     (104

)

     (316

)

     (690

)

Recoveries

     67       117       153       245  

Ending balance

   $ 8,207     $ 7,698     $ 8,207     $ 7,698  

 

 

(1)

The return on average assets and return on average equity are calculated by annualizing net income and dividing by average year-to-date assets or equity, respectively. Any significant nonrecurring items within net income are not annualized.
 

(2)

The efficiency ratio is calculated as noninterest expense divided by the sum of noninterest income, less non-recurring items, and net interest income on a fully taxable equivalent basis.

 

8
 

 

National Bankshares, Inc.

Asset Quality Data

(Unaudited)

 

($ in thousands)

  

September 30,

2022

    

September 30,

2021

  

Nonperforming Assets

                

Nonaccrual loans

   $ 118     $ 39  

Nonaccrual restructured loans

     2,770       3,075  

Total nonperforming loans

     2,888       3,114  

Other real estate owned

   $ 907     $ 957  

Total nonperforming assets

   $ 3,795     $ 4,071  

Accruing restructured loans

     279       3,009  

Loans 90 days or more past due

   $ 48     $ 62  
                 

Asset Quality Ratios

                

Nonperforming assets to loans(1) plus other real estate owned

     0.44 %     0.51 %

Allowance for loans losses to total loans(1)

     0.96 %     0.97 %

Allowance for loan losses to total loans(1), excluding SBA PPP loans

     0.96 %     0.98 %

Allowance for loan losses to nonperforming loans

     284.18 %     247.21 %

Loans past due 90 days or more to loans(1)

     0.01 %     0.01 %

 

(1)

Loans are net of unearned income and deferred fees and costs

 

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Document And Entity Information
Oct. 20, 2022
Document Information [Line Items]  
Entity, Registrant Name NATIONAL BANKSHARES, INC.
Document, Type 8-K
Document, Period End Date Oct. 20, 2022
Entity, Incorporation, State or Country Code VA
Entity, File Number 0-15204
Entity, Tax Identification Number 54-1375874
Entity, Address, Address Line One 101 Hubbard Street
Entity, Address, City or Town Blacksburg
Entity, Address, State or Province VA
Entity, Address, Postal Zip Code 24060
City Area Code 540
Local Phone Number 951-6300
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol NKSH
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0000796534
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