Call reports 2007
NATIONAL EXCHANGE BANK AND TRUST — 2007
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,103,679,000 | 1,044,926,000 | 1,031,843,000 | 1,062,098,000 |
| Total loans | 774,358,000 | 775,527,000 | 777,068,000 | 784,525,000 |
| Allowance for loan losses | 12,331,000 | 12,291,000 | 12,785,000 | 12,462,000 |
| Securities available for sale | 181,262,000 | 174,797,000 | 188,311,000 | 184,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 840,151,000 | 826,664,000 | 814,218,000 | 842,385,000 |
| Interest-bearing deposits | 749,292,000 | 729,402,000 | 718,065,000 | 734,214,000 |
| Noninterest-bearing deposits | 90,859,000 | 97,262,000 | 96,153,000 | 108,171,000 |
| Equity capital | 141,989,000 | 144,435,000 | 149,568,000 | 150,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 18,030,000 | 35,804,000 | 54,377,000 | 72,295,000 |
| Interest expense | 7,642,000 | 15,033,000 | 22,399,000 | 29,050,000 |
| Net interest income | 10,388,000 | 20,771,000 | 31,978,000 | 43,245,000 |
| Noninterest income | 1,700,000 | 3,433,000 | 5,128,000 | 7,297,000 |
| Noninterest expense | 6,349,000 | 12,570,000 | 18,829,000 | 26,031,000 |
| Provision for loan losses | 30,000 | 60,000 | 580,000 | 910,000 |
| Pretax income | 5,710,000 | 11,573,000 | 17,698,000 | 23,602,000 |
| Income tax | 1,928,000 | 3,929,000 | 6,009,000 | 8,019,000 |
| Net income | 3,782,000 | 7,644,000 | 11,689,000 | 15,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,623,000 | 132,949,000 | 137,457,000 | 137,827,000 |
| Total capital | 138,968,000 | 143,129,000 | 147,607,000 | 147,926,000 |
| Risk-weighted assets | 825,583,000 | 812,293,000 | 809,337,000 | 817,985,000 |