Call reports 2015
NXT BANK — 2015
What NXT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 258,367,000 | 253,824,000 | 254,024,000 | 257,162,000 |
| Total loans | 200,996,000 | 199,267,000 | 200,096,000 | 203,475,000 |
| Allowance for loan losses | 2,107,000 | 2,167,000 | 2,228,000 | 2,489,000 |
| Securities available for sale | 40,110,000 | 37,992,000 | 37,021,000 | 36,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,335,000 | 197,575,000 | 196,010,000 | 205,198,000 |
| Interest-bearing deposits | 179,237,000 | 172,047,000 | 170,066,000 | 180,665,000 |
| Noninterest-bearing deposits | 26,098,000 | 25,528,000 | 25,944,000 | 24,533,000 |
| Equity capital | 26,616,000 | 26,743,000 | 26,967,000 | 27,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,410,000 | 4,719,000 | 6,992,000 | 9,394,000 |
| Interest expense | 402,000 | 802,000 | 1,222,000 | 1,683,000 |
| Net interest income | 2,008,000 | 3,917,000 | 5,770,000 | 7,711,000 |
| Noninterest income | 465,000 | 773,000 | 1,082,000 | 1,351,000 |
| Noninterest expense | 1,844,000 | 3,564,000 | 5,269,000 | 6,736,000 |
| Provision for loan losses | 130,000 | 190,000 | 250,000 | 510,000 |
| Pretax income | 529,000 | 966,000 | 1,363,000 | 1,846,000 |
| Income tax | 173,000 | 311,000 | 436,000 | 593,000 |
| Net income | 356,000 | 655,000 | 927,000 | 1,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,006,000 | 25,486,000 | 25,591,000 | 25,926,000 |
| Total capital | 27,113,000 | 27,653,000 | 27,819,000 | 28,415,000 |
| Risk-weighted assets | 208,321,000 | 206,411,000 | 203,968,000 | 206,153,000 |