Call reports 2007
NEXITY BANK — 2007
What NEXITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 880,392,000 | 922,272,000 | 955,476,000 | 945,553,000 |
| Total loans | 584,965,000 | 629,008,000 | 645,800,000 | 644,864,000 |
| Allowance for loan losses | 7,358,000 | 7,775,000 | 7,977,000 | 7,969,000 |
| Securities available for sale | 235,801,000 | 221,211,000 | 238,233,000 | 236,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 989,000 | 198,000 | 0 |
| Total deposits | 635,689,000 | 694,718,000 | 712,599,000 | 709,521,000 |
| Interest-bearing deposits | 626,044,000 | 685,030,000 | 700,451,000 | 704,392,000 |
| Noninterest-bearing deposits | 9,645,000 | 9,688,000 | 12,148,000 | 5,129,000 |
| Equity capital | 74,648,000 | 72,151,000 | 76,914,000 | 78,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,364,000 | 31,620,000 | 48,354,000 | 64,256,000 |
| Interest expense | 9,041,000 | 18,735,000 | 29,013,000 | 38,910,000 |
| Net interest income | 6,323,000 | 12,885,000 | 19,341,000 | 25,346,000 |
| Noninterest income | 620,000 | 1,209,000 | 2,151,000 | 3,639,000 |
| Noninterest expense | 4,295,000 | 9,031,000 | 13,888,000 | 19,251,000 |
| Provision for loan losses | 0 | 440,000 | 490,000 | 805,000 |
| Pretax income | 2,648,000 | 4,623,000 | 7,114,000 | 9,221,000 |
| Income tax | 851,000 | 1,395,000 | 2,160,000 | 2,780,000 |
| Net income | 1,797,000 | 3,228,000 | 4,954,000 | 6,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,175,000 | 75,918,000 | 77,133,000 | 77,952,000 |
| Total capital | 82,533,000 | 83,693,000 | 85,110,000 | 85,921,000 |
| Risk-weighted assets | 710,407,000 | 786,028,000 | 794,944,000 | 802,316,000 |