Call reports 2003
NEXITY BANK — 2003
What NEXITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 471,495,000 | 501,167,000 | 509,644,000 | 521,681,000 |
| Total loans | 289,969,000 | 304,995,000 | 315,993,000 | 324,060,000 |
| Allowance for loan losses | 3,868,000 | 3,869,000 | 3,986,000 | 4,103,000 |
| Securities available for sale | 156,086,000 | 165,241,000 | 158,091,000 | 171,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,178,000 | 368,523,000 | 371,908,000 | 388,681,000 |
| Interest-bearing deposits | 367,691,000 | 365,958,000 | 369,049,000 | 386,867,000 |
| Noninterest-bearing deposits | 2,487,000 | 2,565,000 | 2,859,000 | 1,814,000 |
| Equity capital | 37,845,000 | 39,902,000 | 39,369,000 | 40,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,323,000 | 12,655,000 | 18,996,000 | 25,667,000 |
| Interest expense | 2,615,000 | 5,243,000 | 7,700,000 | 10,262,000 |
| Net interest income | 3,708,000 | 7,412,000 | 11,296,000 | 15,405,000 |
| Noninterest income | 170,000 | 363,000 | 583,000 | 740,000 |
| Noninterest expense | 2,444,000 | 4,940,000 | 7,550,000 | 10,129,000 |
| Provision for loan losses | 340,000 | 580,000 | 800,000 | 1,125,000 |
| Pretax income | 1,452,000 | 2,613,000 | 3,900,000 | 5,262,000 |
| Income tax | 77,000 | 152,000 | 227,000 | 238,000 |
| Net income | 1,375,000 | 2,461,000 | 3,673,000 | 5,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,009,000 | 36,095,000 | 37,307,000 | 38,657,000 |
| Total capital | 38,877,000 | 39,964,000 | 41,293,000 | 42,760,000 |
| Risk-weighted assets | 344,060,000 | 361,513,000 | 376,867,000 | 387,884,000 |