Call reports 2016
NATIONAL EXCHANGE BANK AND TRUST — 2016
What NATIONAL EXCHANGE BANK AND TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,381,420,000 | 1,347,843,000 | 2,025,047,000 | 1,997,501,000 |
| Total loans | 752,896,000 | 756,267,000 | 1,103,427,000 | 1,097,392,000 |
| Allowance for loan losses | 22,012,000 | 21,949,000 | 31,436,000 | 30,498,000 |
| Securities available for sale | 421,253,000 | 425,308,000 | 465,280,000 | 466,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,056,930,000 | 1,017,771,000 | 1,615,323,000 | 1,596,740,000 |
| Interest-bearing deposits | 869,596,000 | 824,999,000 | 1,368,837,000 | 1,340,084,000 |
| Noninterest-bearing deposits | 187,334,000 | 192,772,000 | 246,486,000 | 256,656,000 |
| Equity capital | 271,206,000 | 280,235,000 | 342,060,000 | 336,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,383,000 | 25,576,000 | 50,562,000 | 66,928,000 |
| Interest expense | 569,000 | 1,101,000 | 2,722,000 | 3,699,000 |
| Net interest income | 11,814,000 | 24,475,000 | 47,840,000 | 63,229,000 |
| Noninterest income | 2,144,000 | 4,275,000 | 11,322,000 | 14,130,000 |
| Noninterest expense | 6,351,000 | 13,049,000 | 31,781,000 | 40,492,000 |
| Provision for loan losses | 0 | 0 | 495,000 | 495,000 |
| Pretax income | 7,607,000 | 15,701,000 | 26,896,000 | 36,382,000 |
| Income tax | 2,198,000 | 4,596,000 | 7,978,000 | 10,871,000 |
| Net income | 5,409,000 | 11,105,000 | 18,918,000 | 25,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 261,973,000 | 267,669,000 | 329,713,000 | 331,329,000 |
| Total capital | 274,928,000 | 280,767,000 | 348,262,000 | 349,861,000 |
| Risk-weighted assets | 1,027,356,000 | 1,039,014,000 | 1,471,030,000 | 1,470,620,000 |