Table of Contents
Board of Directors & Officers......................................... 4 Letter from Alan Applegate.......................................... 5 Letter from Pat Daily................................................ 6 Letter from Syd Whitlock............................................ 7 Community Involvement............................................. 8 Greg Sherrard..................................................... 10 Retirements....................................................... 11 Audited Financial Statements....................................... 12 Independent Auditor’ s Report....................................... 13 Index............................................................. 15 Consolidated Balance Sheets........................................ 16 Consolidated Statements of Income & Comprehensive Income......... 17 Consolidated Statements of Changes In Stockholders’ Equity........... 19 Consolidated Statements of Cash Flows.............................. 21 Notes to Financial Statements....................................... 23 Supplementary Information......................................... 52
ANNUAL REPORT 2024
2024 NWSB Annual Report | 3