Call reports 2006
NEXITY BANK — 2006
What NEXITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 803,385,000 | 833,516,000 | 852,635,000 | 890,753,000 |
| Total loans | 527,861,000 | 536,096,000 | 557,725,000 | 605,953,000 |
| Allowance for loan losses | 6,902,000 | 6,716,000 | 7,050,000 | 7,412,000 |
| Securities available for sale | 210,120,000 | 217,410,000 | 228,504,000 | 232,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 1,999,000 |
| Total deposits | 615,191,000 | 632,311,000 | 637,833,000 | 662,460,000 |
| Interest-bearing deposits | 610,272,000 | 622,315,000 | 629,868,000 | 653,767,000 |
| Noninterest-bearing deposits | 4,919,000 | 9,996,000 | 7,965,000 | 8,693,000 |
| Equity capital | 68,579,000 | 66,898,000 | 71,834,000 | 73,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 13,050,000 | 27,212,000 | 42,464,000 | 57,691,000 |
| Interest expense | 6,714,000 | 14,430,000 | 22,736,000 | 31,725,000 |
| Net interest income | 6,336,000 | 12,782,000 | 19,728,000 | 25,966,000 |
| Noninterest income | 388,000 | 847,000 | 1,231,000 | 1,665,000 |
| Noninterest expense | 3,955,000 | 8,097,000 | 12,229,000 | 15,729,000 |
| Provision for loan losses | 470,000 | 755,000 | 1,175,000 | 1,600,000 |
| Pretax income | 2,299,000 | 5,028,000 | 7,806,000 | 10,544,000 |
| Income tax | 851,000 | 1,846,000 | 2,843,000 | 3,781,000 |
| Net income | 1,448,000 | 3,182,000 | 4,963,000 | 6,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,063,000 | 72,098,000 | 73,129,000 | 74,128,000 |
| Total capital | 77,965,000 | 78,814,000 | 80,178,000 | 81,540,000 |
| Risk-weighted assets | 679,298,000 | 689,196,000 | 708,502,000 | 726,425,000 |