Call reports 2019
NXT BANK — 2019
What NXT BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 264,949,000 | 264,551,000 | 262,950,000 | 272,589,000 |
| Total loans | 223,655,000 | 221,540,000 | 220,019,000 | 217,514,000 |
| Allowance for loan losses | 2,534,000 | 2,530,000 | 2,539,000 | 2,540,000 |
| Securities available for sale | 25,887,000 | 25,178,000 | 24,559,000 | 24,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,665,000 | 191,938,000 | 197,576,000 | 213,909,000 |
| Interest-bearing deposits | 168,510,000 | 167,086,000 | 172,341,000 | 177,841,000 |
| Noninterest-bearing deposits | 24,155,000 | 24,852,000 | 25,235,000 | 36,068,000 |
| Equity capital | 30,271,000 | 30,732,000 | 31,463,000 | 30,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,644,000 | 5,420,000 | 8,252,000 | 11,019,000 |
| Interest expense | 920,000 | 1,917,000 | 2,917,000 | 3,862,000 |
| Net interest income | 1,724,000 | 3,503,000 | 5,335,000 | 7,157,000 |
| Noninterest income | 175,000 | 325,000 | 513,000 | 678,000 |
| Noninterest expense | 1,401,000 | 2,811,000 | 3,916,000 | 5,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 498,000 | 1,017,000 | 1,932,000 | 2,671,000 |
| Income tax | 109,000 | 218,000 | 438,000 | 609,000 |
| Net income | 389,000 | 799,000 | 1,494,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,024,000 | 29,285,000 | 29,980,000 | 28,847,000 |
| Total capital | 31,558,000 | 31,815,000 | 32,519,000 | 31,387,000 |
| Risk-weighted assets | 215,811,000 | 213,279,000 | 210,950,000 | 212,773,000 |