Call reports 2012
NXT BANK — 2012
What NXT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,925,000 | 144,460,000 | 148,345,000 | 153,409,000 |
| Total loans | 92,080,000 | 100,143,000 | 103,831,000 | 109,733,000 |
| Allowance for loan losses | 1,339,000 | 1,291,000 | 1,334,000 | 1,364,000 |
| Securities available for sale | 34,617,000 | 34,800,000 | 35,347,000 | 34,814,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,027,000 | 118,036,000 | 120,826,000 | 127,833,000 |
| Interest-bearing deposits | 100,111,000 | 104,618,000 | 108,288,000 | 110,182,000 |
| Noninterest-bearing deposits | 12,916,000 | 13,418,000 | 12,538,000 | 17,651,000 |
| Equity capital | 14,737,000 | 15,244,000 | 15,546,000 | 15,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,796,000 | 3,351,000 | 4,939,000 | 6,532,000 |
| Interest expense | 440,000 | 842,000 | 1,244,000 | 1,629,000 |
| Net interest income | 1,356,000 | 2,509,000 | 3,695,000 | 4,903,000 |
| Noninterest income | 211,000 | 440,000 | 640,000 | 892,000 |
| Noninterest expense | 1,013,000 | 2,074,000 | 3,136,000 | 4,221,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 180,000 |
| Pretax income | 580,000 | 1,073,000 | 1,357,000 | 1,712,000 |
| Income tax | 102,000 | 170,000 | 251,000 | 361,000 |
| Net income | 478,000 | 903,000 | 1,106,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,453,000 | 14,878,000 | 15,081,000 | 15,327,000 |
| Total capital | 15,655,000 | 16,169,000 | 16,415,000 | 16,691,000 |
| Risk-weighted assets | 95,999,000 | 103,977,000 | 108,565,000 | 114,119,000 |
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