Call reports 2013
NATIONAL EXCHANGE BANK AND TRUST — 2013
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,347,201,000 | 1,220,482,000 | 1,241,863,000 | 1,291,616,000 |
| Total loans | 651,208,000 | 676,583,000 | 718,988,000 | 698,121,000 |
| Allowance for loan losses | 14,698,000 | 15,057,000 | 14,867,000 | 15,825,000 |
| Securities available for sale | 305,015,000 | 322,316,000 | 350,063,000 | 357,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 993,129,000 | 921,346,000 | 943,135,000 | 995,419,000 |
| Interest-bearing deposits | 828,295,000 | 761,726,000 | 767,549,000 | 812,108,000 |
| Noninterest-bearing deposits | 164,834,000 | 159,620,000 | 175,586,000 | 183,311,000 |
| Equity capital | 222,067,000 | 219,891,000 | 224,262,000 | 223,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,974,000 | 21,856,000 | 32,932,000 | 45,193,000 |
| Interest expense | 959,000 | 1,804,000 | 2,560,000 | 3,295,000 |
| Net interest income | 10,015,000 | 20,052,000 | 30,372,000 | 41,898,000 |
| Noninterest income | 2,551,000 | 5,050,000 | 7,665,000 | 9,650,000 |
| Noninterest expense | 6,510,000 | 12,818,000 | 19,405,000 | 26,234,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,600,000 | 2,950,000 |
| Pretax income | 5,465,000 | 11,093,000 | 17,041,000 | 22,373,000 |
| Income tax | 1,622,000 | 3,233,000 | 4,929,000 | 6,330,000 |
| Net income | 3,843,000 | 7,860,000 | 12,112,000 | 16,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 215,301,000 | 219,407,000 | 223,756,000 | 224,284,000 |
| Total capital | 225,920,000 | 230,497,000 | 235,562,000 | 235,947,000 |
| Risk-weighted assets | 845,406,000 | 883,194,000 | 941,422,000 | 928,843,000 |