Call reports 2002
NATIONAL EXCHANGE BANK AND TRUST — 2002
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 688,981,000 | 700,953,000 | 722,850,000 | 751,354,000 |
| Total loans | 464,363,000 | 459,029,000 | 457,846,000 | 482,281,000 |
| Allowance for loan losses | 11,930,000 | 11,834,000 | 11,826,000 | 11,767,000 |
| Securities available for sale | 150,224,000 | 139,106,000 | 134,951,000 | 142,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,356,000 | 517,994,000 | 536,124,000 | 570,513,000 |
| Interest-bearing deposits | 419,973,000 | 427,117,000 | 434,267,000 | 489,651,000 |
| Noninterest-bearing deposits | 83,383,000 | 90,877,000 | 101,857,000 | 80,862,000 |
| Equity capital | 90,087,000 | 94,925,000 | 98,972,000 | 98,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 11,114,000 | 21,874,000 | 32,633,000 | 43,092,000 |
| Interest expense | 3,630,000 | 7,050,000 | 10,498,000 | 13,592,000 |
| Net interest income | 7,484,000 | 14,824,000 | 22,135,000 | 29,500,000 |
| Noninterest income | 1,307,000 | 2,629,000 | 4,132,000 | 5,764,000 |
| Noninterest expense | 3,913,000 | 7,775,000 | 11,830,000 | 16,005,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 4,828,000 | 9,642,000 | 14,401,000 | 19,227,000 |
| Income tax | 1,388,000 | 2,749,000 | 4,091,000 | 5,443,000 |
| Net income | 3,440,000 | 6,893,000 | 10,310,000 | 13,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,208,000 | 85,755,000 | 89,257,000 | 88,623,000 |
| Total capital | 88,587,000 | 92,192,000 | 95,741,000 | 95,583,000 |
| Risk-weighted assets | 504,806,000 | 509,588,000 | 513,471,000 | 552,126,000 |