Call reports 2005
NATIONAL EXCHANGE BANK AND TRUST — 2005
What NATIONAL EXCHANGE BANK AND TRUST 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 | 836,193,000 | 929,683,000 | 950,924,000 | 1,021,676,000 |
| Total loans | 601,398,000 | 720,535,000 | 737,415,000 | 776,298,000 |
| Allowance for loan losses | 11,471,000 | 11,844,000 | 11,965,000 | 12,251,000 |
| Securities available for sale | 144,377,000 | 150,453,000 | 152,628,000 | 158,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 634,560,000 | 707,482,000 | 730,649,000 | 809,530,000 |
| Interest-bearing deposits | 555,509,000 | 619,443,000 | 640,760,000 | 697,490,000 |
| Noninterest-bearing deposits | 79,051,000 | 88,039,000 | 89,889,000 | 112,040,000 |
| Equity capital | 119,548,000 | 124,330,000 | 127,332,000 | 126,293,000 |
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 | 11,557,000 | 24,936,000 | 39,653,000 | 55,560,000 |
| Interest expense | 2,632,000 | 6,199,000 | 10,612,000 | 15,924,000 |
| Net interest income | 8,925,000 | 18,737,000 | 29,041,000 | 39,636,000 |
| Noninterest income | 1,379,000 | 2,873,000 | 4,437,000 | 5,983,000 |
| Noninterest expense | 4,877,000 | 10,176,000 | 16,085,000 | 22,945,000 |
| Provision for loan losses | 0 | 75,000 | 275,000 | 725,000 |
| Pretax income | 5,465,000 | 11,405,000 | 17,313,000 | 22,154,000 |
| Income tax | 1,896,000 | 3,983,000 | 6,028,000 | 7,024,000 |
| Net income | 3,569,000 | 7,422,000 | 11,285,000 | 15,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,788,000 | 108,666,000 | 112,918,000 | 110,691,000 |
| Total capital | 116,904,000 | 118,104,000 | 122,683,000 | 120,963,000 |
| Risk-weighted assets | 645,926,000 | 752,623,000 | 778,995,000 | 819,748,000 |
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