Call reports 2002
NEXITY BANK — 2002
What NEXITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 364,342,000 | 390,984,000 | 405,731,000 | 458,417,000 |
| Total loans | 288,621,000 | 302,224,000 | 293,712,000 | 315,360,000 |
| Allowance for loan losses | 3,556,000 | 3,792,000 | 3,862,000 | 3,868,000 |
| Securities available for sale | 64,632,000 | 63,991,000 | 93,398,000 | 128,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,156,000 | 333,150,000 | 341,955,000 | 359,240,000 |
| Interest-bearing deposits | 306,818,000 | 330,185,000 | 339,632,000 | 353,790,000 |
| Noninterest-bearing deposits | 2,338,000 | 2,965,000 | 2,323,000 | 5,450,000 |
| Equity capital | 32,451,000 | 34,414,000 | 35,102,000 | 35,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,555,000 | 11,556,000 | 17,562,000 | 24,170,000 |
| Interest expense | 2,851,000 | 5,700,000 | 8,605,000 | 11,418,000 |
| Net interest income | 2,704,000 | 5,856,000 | 8,957,000 | 12,752,000 |
| Noninterest income | 90,000 | 185,000 | 300,000 | 410,000 |
| Noninterest expense | 2,225,000 | 4,554,000 | 6,819,000 | 9,256,000 |
| Provision for loan losses | 410,000 | 940,000 | 1,285,000 | 1,785,000 |
| Pretax income | 310,000 | 698,000 | 1,304,000 | 2,272,000 |
| Income tax | 0 | 0 | 60,000 | 120,000 |
| Net income | 310,000 | 698,000 | 1,244,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,792,000 | 32,180,000 | 32,726,000 | 33,634,000 |
| Total capital | 34,348,000 | 35,972,000 | 36,588,000 | 37,502,000 |
| Risk-weighted assets | 326,426,000 | 352,204,000 | 343,544,000 | 358,381,000 |