Call reports 2010
NATIONAL EXCHANGE BANK AND TRUST — 2010
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,266,872,000 | 1,231,163,000 | 1,264,430,000 | 1,373,060,000 |
| Total loans | 807,849,000 | 781,318,000 | 801,541,000 | 773,434,000 |
| Allowance for loan losses | 16,151,000 | 15,075,000 | 15,738,000 | 15,492,000 |
| Securities available for sale | 199,270,000 | 217,280,000 | 233,748,000 | 303,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 930,959,000 | 894,364,000 | 889,909,000 | 951,838,000 |
| Interest-bearing deposits | 817,233,000 | 777,373,000 | 761,335,000 | 802,680,000 |
| Noninterest-bearing deposits | 113,726,000 | 116,991,000 | 128,574,000 | 149,158,000 |
| Equity capital | 178,337,000 | 182,392,000 | 186,472,000 | 187,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 13,722,000 | 26,844,000 | 40,261,000 | 53,466,000 |
| Interest expense | 2,851,000 | 5,530,000 | 8,033,000 | 10,319,000 |
| Net interest income | 10,871,000 | 21,314,000 | 32,228,000 | 43,147,000 |
| Noninterest income | 1,956,000 | 4,199,000 | 7,538,000 | 10,365,000 |
| Noninterest expense | 6,890,000 | 13,556,000 | 20,730,000 | 27,749,000 |
| Provision for loan losses | 900,000 | 1,500,000 | 2,700,000 | 5,335,000 |
| Pretax income | 5,037,000 | 10,457,000 | 16,336,000 | 20,428,000 |
| Income tax | 1,603,000 | 3,378,000 | 5,309,000 | 6,644,000 |
| Net income | 3,434,000 | 7,079,000 | 11,027,000 | 13,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,207,000 | 173,680,000 | 178,094,000 | 181,311,000 |
| Total capital | 180,473,000 | 184,735,000 | 189,502,000 | 192,638,000 |
| Risk-weighted assets | 896,412,000 | 880,400,000 | 908,273,000 | 902,032,000 |