Call reports 2004
NEXITY BANK — 2004
What NEXITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 546,823,000 | 568,753,000 | 584,974,000 | 610,229,000 |
| Total loans | 338,636,000 | 345,390,000 | 369,250,000 | 387,504,000 |
| Allowance for loan losses | 4,302,000 | 4,373,000 | 4,638,000 | 4,912,000 |
| Securities available for sale | 162,085,000 | 190,738,000 | 187,701,000 | 194,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,009,000 | 433,295,000 | 437,071,000 | 458,205,000 |
| Interest-bearing deposits | 408,554,000 | 431,132,000 | 433,209,000 | 454,524,000 |
| Noninterest-bearing deposits | 2,455,000 | 2,163,000 | 3,862,000 | 3,681,000 |
| Equity capital | 42,205,000 | 41,175,000 | 45,211,000 | 45,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,581,000 | 13,320,000 | 20,552,000 | 28,602,000 |
| Interest expense | 2,530,000 | 5,195,000 | 8,041,000 | 11,393,000 |
| Net interest income | 4,051,000 | 8,125,000 | 12,511,000 | 17,209,000 |
| Noninterest income | 377,000 | 813,000 | 1,195,000 | 1,497,000 |
| Noninterest expense | 2,694,000 | 5,489,000 | 8,134,000 | 11,206,000 |
| Provision for loan losses | 305,000 | 495,000 | 815,000 | 1,115,000 |
| Pretax income | 1,526,000 | 3,083,000 | 4,965,000 | 6,593,000 |
| Income tax | 390,000 | -614,000 | 244,000 | 651,000 |
| Net income | 1,136,000 | 3,697,000 | 4,721,000 | 5,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,793,000 | 42,354,000 | 43,378,000 | 44,599,000 |
| Total capital | 44,095,000 | 46,727,000 | 48,016,000 | 49,511,000 |
| Risk-weighted assets | 411,815,000 | 431,548,000 | 454,199,000 | 477,584,000 |