Call reports 2015
NATIONAL EXCHANGE BANK AND TRUST — 2015
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,373,972,000 | 1,311,485,000 | 1,351,220,000 | 1,365,144,000 |
| Total loans | 742,938,000 | 737,582,000 | 763,673,000 | 763,102,000 |
| Allowance for loan losses | 21,561,000 | 21,582,000 | 22,036,000 | 21,983,000 |
| Securities available for sale | 430,903,000 | 418,140,000 | 429,375,000 | 429,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,064,862,000 | 1,004,844,000 | 1,026,680,000 | 1,044,957,000 |
| Interest-bearing deposits | 877,784,000 | 815,120,000 | 835,943,000 | 840,148,000 |
| Noninterest-bearing deposits | 187,078,000 | 189,724,000 | 190,737,000 | 204,809,000 |
| Equity capital | 254,284,000 | 256,698,000 | 264,023,000 | 264,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 12,287,000 | 24,361,000 | 36,385,000 | 48,193,000 |
| Interest expense | 568,000 | 1,078,000 | 1,579,000 | 2,047,000 |
| Net interest income | 11,719,000 | 23,283,000 | 34,806,000 | 46,146,000 |
| Noninterest income | 2,287,000 | 4,958,000 | 7,445,000 | 9,666,000 |
| Noninterest expense | 6,271,000 | 12,887,000 | 19,273,000 | 25,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,750,000 | 15,369,000 | 22,993,000 | 29,958,000 |
| Income tax | 2,285,000 | 4,537,000 | 6,707,000 | 8,661,000 |
| Net income | 5,465,000 | 10,832,000 | 16,286,000 | 21,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 245,732,000 | 251,099,000 | 256,554,000 | 256,564,000 |
| Total capital | 258,487,000 | 263,716,000 | 269,607,000 | 269,703,000 |
| Risk-weighted assets | 1,011,658,000 | 1,000,368,000 | 1,035,266,000 | 1,042,297,000 |