•
Mar 31, 2021

National Bankshares Q1 2021 Earnings Report

National Bankshares reported increased earnings due to reduced loan loss provision and low interest rates on deposits.

Key Takeaways

National Bankshares, Inc. reported a net income of $4.77 million, or $0.74 per common share, for the quarter ended March 31, 2021, compared to $3.98 million, or $0.61 per common share, for the quarter ended March 31, 2020. The company's total assets ended the quarter at $1.57 billion.

Net income increased to $4.77 million, or $0.74 per share, compared to $3.98 million, or $0.61 per share, in the same quarter last year.

Total assets reached $1.57 billion.

Loan loss provision decreased to $50 thousand from $479 thousand in the same quarter last year.

Net interest margin was 2.89%, impacted by low interest rates, but supported by PPP loan fees and interest.

Total Revenue
$12.4M
Previous year: $11.7M
+5.4%
EPS
$0.74
Previous year: $0.61
+21.3%
Efficiency Ratio
53.87%
Previous year: 55.67%
-3.2%
Net Interest Margin
2.89%
Previous year: 3.2%
-9.7%
Gross Profit
$12.4M
Previous year: $11.7M
+5.4%
Cash and Equivalents
$12.7M
Previous year: $12.4M
+2.2%
Total Assets
$1.57B
Previous year: $1.32B
+19.0%

National Bankshares

National Bankshares