Call reports 2005
NEXTIER BANK, NA — 2005
What NEXTIER BANK, NA 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 | 161,665,000 | 165,113,000 | 164,799,000 | 164,199,000 |
| Total loans | 86,333,000 | 85,289,000 | 82,960,000 | 80,906,000 |
| Allowance for loan losses | 1,171,000 | 1,166,000 | 1,234,000 | 1,256,000 |
| Securities available for sale | 11,539,000 | 10,634,000 | 10,542,000 | 9,997,000 |
| Securities held to maturity | 47,027,000 | 50,620,000 | 53,545,000 | 56,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,362,000 | 148,519,000 | 147,878,000 | 147,124,000 |
| Interest-bearing deposits | 121,873,000 | 125,298,000 | 124,273,000 | 123,429,000 |
| Noninterest-bearing deposits | 23,489,000 | 23,221,000 | 23,605,000 | 23,695,000 |
| Equity capital | 15,062,000 | 15,404,000 | 15,656,000 | 15,861,000 |
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 | 1,866,000 | 3,793,000 | 5,780,000 | 7,852,000 |
| Interest expense | 528,000 | 1,119,000 | 1,746,000 | 2,391,000 |
| Net interest income | 1,338,000 | 2,674,000 | 4,034,000 | 5,461,000 |
| Noninterest income | 137,000 | 277,000 | 439,000 | 609,000 |
| Noninterest expense | 866,000 | 1,705,000 | 2,543,000 | 3,276,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 576,000 | 1,180,000 | 1,831,000 | 2,662,000 |
| Income tax | 120,000 | 247,000 | 386,000 | 585,000 |
| Net income | 456,000 | 933,000 | 1,445,000 | 2,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,179,000 | 15,457,000 | 15,768,000 | 16,001,000 |
| Total capital | 16,362,000 | 16,654,000 | 16,956,000 | 17,168,000 |
| Risk-weighted assets | 94,701,000 | 95,774,000 | 94,950,000 | 93,191,000 |