Call reports 2008
NATIONAL EXCHANGE BANK AND TRUST — 2008
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,059,425,000 | 1,052,941,000 | 1,112,916,000 | 1,144,648,000 |
| Total loans | 793,195,000 | 831,674,000 | 836,661,000 | 849,503,000 |
| Allowance for loan losses | 12,498,000 | 12,765,000 | 13,014,000 | 14,338,000 |
| Securities available for sale | 179,999,000 | 173,064,000 | 187,385,000 | 189,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 817,876,000 | 801,840,000 | 825,387,000 | 873,608,000 |
| Interest-bearing deposits | 721,385,000 | 702,342,000 | 728,039,000 | 763,645,000 |
| Noninterest-bearing deposits | 96,491,000 | 99,498,000 | 97,348,000 | 109,963,000 |
| Equity capital | 154,978,000 | 157,029,000 | 159,876,000 | 161,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 16,833,000 | 32,444,000 | 47,860,000 | 63,126,000 |
| Interest expense | 5,969,000 | 10,755,000 | 15,373,000 | 19,706,000 |
| Net interest income | 10,864,000 | 21,689,000 | 32,487,000 | 43,420,000 |
| Noninterest income | 1,664,000 | 3,288,000 | 4,953,000 | 6,624,000 |
| Noninterest expense | 6,339,000 | 12,573,000 | 18,898,000 | 25,845,000 |
| Provision for loan losses | 100,000 | 443,000 | 868,000 | 2,543,000 |
| Pretax income | 6,089,000 | 11,961,000 | 17,674,000 | 21,667,000 |
| Income tax | 2,026,000 | 3,965,000 | 5,751,000 | 6,815,000 |
| Net income | 4,063,000 | 7,996,000 | 11,923,000 | 14,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,349,000 | 146,719,000 | 151,113,000 | 150,512,000 |
| Total capital | 152,689,000 | 157,387,000 | 162,093,000 | 161,509,000 |
| Risk-weighted assets | 825,059,000 | 851,328,000 | 876,665,000 | 876,387,000 |