Call reports 2016
NXT BANK — 2016
What NXT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 264,069,000 | 265,463,000 | 261,575,000 | 273,190,000 |
| Total loans | 211,160,000 | 214,656,000 | 212,420,000 | 225,673,000 |
| Allowance for loan losses | 2,499,000 | 2,535,000 | 2,541,000 | 2,753,000 |
| Securities available for sale | 36,562,000 | 33,036,000 | 32,158,000 | 30,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,996,000 | 207,067,000 | 204,219,000 | 207,150,000 |
| Interest-bearing deposits | 184,782,000 | 183,141,000 | 181,337,000 | 183,127,000 |
| Noninterest-bearing deposits | 23,214,000 | 23,926,000 | 22,882,000 | 24,023,000 |
| Equity capital | 27,635,000 | 28,223,000 | 28,512,000 | 28,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,383,000 | 5,030,000 | 7,436,000 | 9,896,000 |
| Interest expense | 497,000 | 1,020,000 | 1,555,000 | 2,098,000 |
| Net interest income | 1,886,000 | 4,010,000 | 5,881,000 | 7,798,000 |
| Noninterest income | 261,000 | 514,000 | 702,000 | 1,080,000 |
| Noninterest expense | 1,631,000 | 3,281,000 | 4,884,000 | 6,254,000 |
| Provision for loan losses | 10,000 | 60,000 | 75,000 | 285,000 |
| Pretax income | 506,000 | 1,282,000 | 1,723,000 | 2,440,000 |
| Income tax | 164,000 | 428,000 | 567,000 | 812,000 |
| Net income | 342,000 | 854,000 | 1,156,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,107,000 | 26,630,000 | 26,945,000 | 27,278,000 |
| Total capital | 28,606,000 | 29,165,000 | 29,486,000 | 30,031,000 |
| Risk-weighted assets | 214,670,000 | 218,163,000 | 215,406,000 | 222,331,000 |