Call reports 2013
NXT BANK — 2013
What NXT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 155,643,000 | 166,452,000 | 178,048,000 | 240,324,000 |
| Total loans | 113,455,000 | 128,941,000 | 140,762,000 | 168,296,000 |
| Allowance for loan losses | 1,429,000 | 1,509,000 | 1,584,000 | 1,648,000 |
| Securities available for sale | 33,551,000 | 28,537,000 | 27,472,000 | 32,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,700,000 | 130,947,000 | 141,316,000 | 200,692,000 |
| Interest-bearing deposits | 111,708,000 | 115,916,000 | 126,618,000 | 175,227,000 |
| Noninterest-bearing deposits | 14,992,000 | 15,031,000 | 14,698,000 | 25,465,000 |
| Equity capital | 15,928,000 | 15,334,000 | 15,403,000 | 23,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,195,000 | 4,952,000 | 7,421,000 |
| Interest expense | 362,000 | 720,000 | 1,085,000 | 1,519,000 |
| Net interest income | 1,223,000 | 2,475,000 | 3,867,000 | 5,902,000 |
| Noninterest income | 244,000 | 524,000 | 747,000 | 932,000 |
| Noninterest expense | 1,047,000 | 2,129,000 | 3,233,000 | 5,294,000 |
| Provision for loan losses | 60,000 | 145,000 | 205,000 | 265,000 |
| Pretax income | 394,000 | 958,000 | 1,409,000 | 1,618,000 |
| Income tax | 125,000 | 315,000 | 462,000 | 514,000 |
| Net income | 269,000 | 643,000 | 947,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,596,000 | 15,970,000 | 16,273,000 | 23,178,000 |
| Total capital | 17,025,000 | 17,479,000 | 17,857,000 | 24,826,000 |
| Risk-weighted assets | 117,812,000 | 132,593,000 | 141,759,000 | 172,257,000 |
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