Call reports 2006
NATIONAL EXCHANGE BANK AND TRUST — 2006
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,030,818,000 | 1,008,461,000 | 1,003,082,000 | 1,047,621,000 |
| Total loans | 762,960,000 | 750,282,000 | 766,715,000 | 772,969,000 |
| Allowance for loan losses | 12,359,000 | 12,343,000 | 12,493,000 | 12,256,000 |
| Securities available for sale | 175,074,000 | 165,683,000 | 171,799,000 | 173,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 816,998,000 | 790,160,000 | 779,923,000 | 838,850,000 |
| Interest-bearing deposits | 727,290,000 | 694,014,000 | 687,303,000 | 735,737,000 |
| Noninterest-bearing deposits | 89,708,000 | 96,146,000 | 92,620,000 | 103,113,000 |
| Equity capital | 129,938,000 | 132,861,000 | 138,360,000 | 138,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 16,472,000 | 33,588,000 | 51,131,000 | 69,005,000 |
| Interest expense | 5,999,000 | 12,441,000 | 19,386,000 | 26,592,000 |
| Net interest income | 10,473,000 | 21,147,000 | 31,745,000 | 42,413,000 |
| Noninterest income | 1,561,000 | 3,181,000 | 4,808,000 | 6,521,000 |
| Noninterest expense | 5,866,000 | 11,780,000 | 17,796,000 | 24,176,000 |
| Provision for loan losses | 75,000 | 195,000 | 270,000 | 345,000 |
| Pretax income | 6,093,000 | 12,353,000 | 18,487,000 | 24,413,000 |
| Income tax | 2,118,000 | 4,286,000 | 6,407,000 | 8,422,000 |
| Net income | 3,975,000 | 8,067,000 | 12,080,000 | 15,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,890,000 | 119,480,000 | 123,975,000 | 124,365,000 |
| Total capital | 125,091,000 | 129,392,000 | 134,063,000 | 134,500,000 |
| Risk-weighted assets | 813,897,000 | 790,507,000 | 804,670,000 | 808,666,000 |