Call reports 2014
NATIONAL EXCHANGE BANK AND TRUST — 2014
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,396,507,000 | 1,305,470,000 | 1,341,828,000 | 1,377,478,000 |
| Total loans | 670,228,000 | 706,448,000 | 718,944,000 | 733,192,000 |
| Allowance for loan losses | 16,551,000 | 17,694,000 | 26,038,000 | 21,538,000 |
| Securities available for sale | 381,606,000 | 399,288,000 | 422,176,000 | 428,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,032,087,000 | 990,941,000 | 1,016,276,000 | 1,064,577,000 |
| Interest-bearing deposits | 846,217,000 | 798,414,000 | 825,533,000 | 863,434,000 |
| Noninterest-bearing deposits | 185,870,000 | 192,527,000 | 190,743,000 | 201,143,000 |
| Equity capital | 231,796,000 | 241,109,000 | 246,937,000 | 247,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 11,757,000 | 23,733,000 | 35,715,000 | 47,745,000 |
| Interest expense | 735,000 | 1,411,000 | 2,056,000 | 2,649,000 |
| Net interest income | 11,022,000 | 22,322,000 | 33,659,000 | 45,096,000 |
| Noninterest income | 2,101,000 | 6,742,000 | 8,968,000 | 11,127,000 |
| Noninterest expense | 6,094,000 | 11,933,000 | 18,567,000 | 25,729,000 |
| Provision for loan losses | 600,000 | 1,800,000 | 1,800,000 | 800,000 |
| Pretax income | 6,283,000 | 15,209,000 | 22,136,000 | 29,582,000 |
| Income tax | 1,733,000 | 4,496,000 | 6,458,000 | 8,643,000 |
| Net income | 4,550,000 | 10,713,000 | 15,678,000 | 20,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 228,839,000 | 235,005,000 | 239,973,000 | 240,238,000 |
| Total capital | 240,296,000 | 246,747,000 | 251,917,000 | 252,440,000 |
| Risk-weighted assets | 911,450,000 | 933,399,000 | 941,421,000 | 966,796,000 |