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Dec 31, 2020

National Bankshares Q4 2020 Earnings Report

Reported solid revenue and maintained good shareholder value despite the pandemic's impact.

Key Takeaways

National Bankshares, Inc. reported a net income of $16.08 million for the year ended December 31, 2020, compared to $17.47 million for the year ended December 31, 2019. The company's total assets ended the year at $1.52 billion. The bank was able to generate solid revenue and maintain good shareholder value.

Modified or deferred payments on 387 loans totaling $174.66 million to aid business customers.

Originated 813 Paycheck Protection Program loans grossing $58.22 million.

Net income includes a loan loss provision of $1.99 million, an increase of $1.86 million over the prior year.

Total assets increased by $197.83 million to $1.52 billion.

Total Revenue
$12.3M
Previous year: $12M
+2.6%
EPS
$0.77
Previous year: $0.74
+4.1%
Efficiency Ratio
53.11%
Net Interest Margin
2.98%
Book Value per Share
$31.2
Gross Profit
$12.3M
Previous year: $12M
+2.6%
Cash and Equivalents
$13.1M
Previous year: $10.3M
+27.8%
Free Cash Flow
$1.82M
Previous year: $5.44M
-66.6%
Total Assets
$1.52B
Previous year: $1.32B
+15.2%

National Bankshares

National Bankshares