Call reports 2012
NATIONAL EXCHANGE BANK AND TRUST — 2012
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,242,774,000 | 1,195,409,000 | 1,302,906,000 | 1,319,289,000 |
| Total loans | 685,378,000 | 678,380,000 | 683,762,000 | 673,032,000 |
| Allowance for loan losses | 18,297,000 | 14,508,000 | 13,627,000 | 14,115,000 |
| Securities available for sale | 292,316,000 | 294,773,000 | 285,542,000 | 291,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 917,701,000 | 889,565,000 | 975,992,000 | 982,264,000 |
| Interest-bearing deposits | 782,994,000 | 752,048,000 | 826,788,000 | 815,378,000 |
| Noninterest-bearing deposits | 134,707,000 | 137,517,000 | 149,204,000 | 166,886,000 |
| Equity capital | 208,468,000 | 211,935,000 | 216,425,000 | 219,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 12,013,000 | 23,526,000 | 34,809,000 | 45,876,000 |
| Interest expense | 1,367,000 | 2,548,000 | 3,620,000 | 4,610,000 |
| Net interest income | 10,646,000 | 20,978,000 | 31,189,000 | 41,266,000 |
| Noninterest income | 2,239,000 | 4,564,000 | 7,226,000 | 9,683,000 |
| Noninterest expense | 6,822,000 | 13,630,000 | 20,515,000 | 27,613,000 |
| Provision for loan losses | 1,300,000 | 2,900,000 | 4,100,000 | 5,300,000 |
| Pretax income | 4,799,000 | 9,050,000 | 13,838,000 | 18,074,000 |
| Income tax | 1,401,000 | 2,596,000 | 3,985,000 | 5,192,000 |
| Net income | 3,398,000 | 6,454,000 | 9,853,000 | 12,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 200,925,000 | 204,321,000 | 208,030,000 | 211,317,000 |
| Total capital | 211,353,000 | 214,841,000 | 219,000,000 | 222,135,000 |
| Risk-weighted assets | 826,348,000 | 837,583,000 | 874,940,000 | 862,183,000 |