Call reports 2009
NXT BANK — 2009
What NXT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 90,233,000 | 93,834,000 | 97,442,000 | 99,893,000 |
| Total loans | 54,103,000 | 56,797,000 | 59,791,000 | 60,734,000 |
| Allowance for loan losses | 780,000 | 777,000 | 740,000 | 1,008,000 |
| Securities available for sale | 22,959,000 | 24,701,000 | 26,515,000 | 25,652,000 |
| Securities held to maturity | 70,000 | 1,035,000 | 1,035,000 | 1,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,521,000 | 75,566,000 | 79,752,000 | 84,631,000 |
| Interest-bearing deposits | 65,628,000 | 68,624,000 | 72,237,000 | 75,638,000 |
| Noninterest-bearing deposits | 6,893,000 | 6,942,000 | 7,515,000 | 8,993,000 |
| Equity capital | 7,192,000 | 7,683,000 | 8,280,000 | 10,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,275,000 | 3,496,000 | 4,733,000 |
| Interest expense | 597,000 | 1,221,000 | 1,850,000 | 2,458,000 |
| Net interest income | 504,000 | 1,054,000 | 1,646,000 | 2,275,000 |
| Noninterest income | 122,000 | 287,000 | 485,000 | 667,000 |
| Noninterest expense | 784,000 | 1,685,000 | 2,562,000 | 3,710,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | -158,000 | -312,000 | -399,000 | -1,024,000 |
| Income tax | 3,000 | -50,000 | -46,000 | -211,000 |
| Net income | -161,000 | -262,000 | -353,000 | -813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,164,000 | 7,563,000 | 7,972,000 | 9,811,000 |
| Total capital | 7,902,000 | 8,293,000 | 8,712,000 | 10,652,000 |
| Risk-weighted assets | 58,977,000 | 62,342,000 | 65,701,000 | 67,123,000 |
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