Call reports 2009
NATIONAL EXCHANGE BANK AND TRUST — 2009
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,156,446,000 | 1,147,243,000 | 1,230,580,000 | 1,259,613,000 |
| Total loans | 846,042,000 | 846,934,000 | 843,177,000 | 820,911,000 |
| Allowance for loan losses | 14,463,000 | 14,348,000 | 14,501,000 | 15,316,000 |
| Securities available for sale | 195,760,000 | 183,413,000 | 201,916,000 | 210,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 871,185,000 | 869,445,000 | 910,388,000 | 951,311,000 |
| Interest-bearing deposits | 774,188,000 | 768,777,000 | 798,275,000 | 823,719,000 |
| Noninterest-bearing deposits | 96,997,000 | 100,668,000 | 112,113,000 | 127,593,000 |
| Equity capital | 164,587,000 | 168,172,000 | 174,102,000 | 174,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,114,000 | 28,267,000 | 42,415,000 | 56,848,000 |
| Interest expense | 3,818,000 | 7,267,000 | 10,543,000 | 13,655,000 |
| Net interest income | 10,296,000 | 21,000,000 | 31,872,000 | 43,193,000 |
| Noninterest income | 1,667,000 | 3,911,000 | 5,910,000 | 8,338,000 |
| Noninterest expense | 7,064,000 | 13,771,000 | 20,766,000 | 27,500,000 |
| Provision for loan losses | 150,000 | 425,000 | 575,000 | 4,925,000 |
| Pretax income | 4,749,000 | 10,715,000 | 16,441,000 | 19,106,000 |
| Income tax | 1,465,000 | 3,442,000 | 5,305,000 | 5,975,000 |
| Net income | 3,284,000 | 7,273,000 | 11,136,000 | 13,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,290,000 | 158,648,000 | 162,874,000 | 165,316,000 |
| Total capital | 165,179,000 | 169,859,000 | 174,115,000 | 176,793,000 |
| Risk-weighted assets | 867,571,000 | 893,711,000 | 917,140,000 | 914,298,000 |
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