Call reports 2004
NATIONAL EXCHANGE BANK AND TRUST — 2004
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 774,666,000 | 784,842,000 | 812,815,000 | 820,680,000 |
| Total loans | 520,616,000 | 545,353,000 | 561,802,000 | 591,225,000 |
| Allowance for loan losses | 11,584,000 | 11,594,000 | 11,570,000 | 11,466,000 |
| Securities available for sale | 186,127,000 | 170,026,000 | 152,928,000 | 144,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,476,000 | 616,533,000 | 632,848,000 | 624,990,000 |
| Interest-bearing deposits | 532,928,000 | 530,547,000 | 553,490,000 | 541,742,000 |
| Noninterest-bearing deposits | 70,548,000 | 85,986,000 | 79,358,000 | 83,248,000 |
| Equity capital | 111,908,000 | 112,740,000 | 117,981,000 | 116,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,858,000 | 19,630,000 | 30,016,000 | 41,136,000 |
| Interest expense | 2,236,000 | 4,290,000 | 6,411,000 | 8,776,000 |
| Net interest income | 7,622,000 | 15,340,000 | 23,605,000 | 32,360,000 |
| Noninterest income | 1,493,000 | 3,065,000 | 4,572,000 | 5,970,000 |
| Noninterest expense | 4,610,000 | 9,084,000 | 13,722,000 | 18,591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,505,000 | 9,332,000 | 14,447,000 | 19,750,000 |
| Income tax | 1,248,000 | 2,607,000 | 4,071,000 | 5,662,000 |
| Net income | 3,257,000 | 6,725,000 | 10,376,000 | 14,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,444,000 | 101,128,000 | 105,021,000 | 104,974,000 |
| Total capital | 105,045,000 | 109,033,000 | 113,158,000 | 113,453,000 |
| Risk-weighted assets | 567,252,000 | 589,965,000 | 606,828,000 | 633,087,000 |