Call reports 2005
NEXITY BANK — 2005
What NEXITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 629,541,000 | 677,675,000 | 734,276,000 | 784,052,000 |
| Total loans | 391,059,000 | 446,496,000 | 478,222,000 | 515,574,000 |
| Allowance for loan losses | 4,935,000 | 5,563,000 | 5,980,000 | 6,466,000 |
| Securities available for sale | 198,006,000 | 196,767,000 | 195,485,000 | 202,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,998,000 | 513,533,000 | 555,019,000 | 603,473,000 |
| Interest-bearing deposits | 471,636,000 | 510,478,000 | 551,204,000 | 598,301,000 |
| Noninterest-bearing deposits | 4,362,000 | 3,055,000 | 3,815,000 | 5,172,000 |
| Equity capital | 44,655,000 | 51,530,000 | 68,089,000 | 68,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,196,000 | 17,831,000 | 28,760,000 | 41,117,000 |
| Interest expense | 3,620,000 | 8,176,000 | 13,421,000 | 19,525,000 |
| Net interest income | 4,576,000 | 9,655,000 | 15,339,000 | 21,592,000 |
| Noninterest income | 344,000 | 696,000 | 1,055,000 | 1,436,000 |
| Noninterest expense | 3,180,000 | 6,529,000 | 10,052,000 | 14,069,000 |
| Provision for loan losses | 85,000 | 745,000 | 1,290,000 | 1,870,000 |
| Pretax income | 1,655,000 | 3,545,000 | 5,520,000 | 7,557,000 |
| Income tax | 560,000 | 1,186,000 | 1,791,000 | 2,502,000 |
| Net income | 1,095,000 | 2,359,000 | 3,729,000 | 5,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,694,000 | 49,958,000 | 68,328,000 | 69,654,000 |
| Total capital | 50,629,000 | 55,521,000 | 74,308,000 | 76,121,000 |
| Risk-weighted assets | 488,554,000 | 527,405,000 | 595,744,000 | 649,754,000 |